Over the past two years, there has been a steady percentage of emails that offer a term life insurance product without requiring a medical exam. This year, a full 48% of the term life emails captured by Mintel Comperemedia are being sent with the phrase “no medical.” This is up slightly from last year.

In regards to the term life coverage amounts offered, there is little difference between those that don’t mention an exam at all and those that state “no medical exam.” For both types of email offers, the most often cited coverage amounts are $250,000 and $500,000. These values have a ratio of 1:2, respectively.

Looking at actual email offers sent in the past two years, many position their lack of medical exam requirement as a way to make getting term life insurance easier and less complicated. Emails from leaders such as HSBC and RBC/Liberty Direct employ this positioning.

Clearly, term life without a medical exam is going to continue to be the leading product offered through the email channel. Companies are going to compete on how fast and simple they can make the application process, so consumers aren’t daunted by the mere prospect of signing up for term life.

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