USPS Employee No Medical Life Insurance Policies

United States Postal Service employees - lock in rates for your own individual no medical exam life insurance policy outside of FEGLI up to $3 million from highly rated insurers*. No medical exam policies are available with fixed rates for 10, 15, 20, 25 and 30 year terms for coverage from $50,000 up to $3 million. Policies are available without a no medical exam life insurance policy for 10-30 years with level premiums (they don't increase as you get older, unlike FEGLI which increases every five years as you enter a new age band).

Rates for a no medical exam life insurance policy are the same as those with the medical exam. Choose a policy from the nation's top companies such as Pacific Life, Symetra Life, Banner Life, Prudential or many others.

No medical exam life insurance policies for USPS employees are available for ages 18-70 years old; no blood work, no vitals and without a nurse coming to your home.

The benefits of having your own policy outside of FEGLI include:

• Fixed rates: unlike FEGLI, rates are fixed for the term you choose (10-30 years)
  
• Less expensive: a 50-year old male can secure a $400,000 in coverage and lock in the rates for 20 years for as low as $58 month
  
•  You own it: unlike the FEGLI policy which is tied to your employment with the postal service, by having your own policy you own regardless of where you work
  

USPS employee no medical exam life insurance outside of FEGLI offers postal workers the opportunity to save money and have fixed rates by choosing a policy from a top company such as Pacific Life which has been in business for more than 150 years, is A+ rated an offers no exam life insurance up to $3 million for 10-30 years fixed premiums.

Preferred Plus (#1 risk class): No medical exam life insurance is available at the best risk class for recreational USPS employees up to the age of 70 and coverage is available up to $3 million for 10, 15, 20, 25 and 30 year terms with Pacific Life Insurance Company.* Sample rate for a $500k no-exam term life policy for a 60-year old male for a 20-year fixed rate is $200 month.

Preferred (#2 risk class): Available for postal employees up to $3 million with a fixed rates up to 30 years fixed rates with for USPS employees between the ages 18-70 years old. $500k no-exam term life policy for a 60-year old male for a 20-year fixed rate is $226 month. Compare this to FEGLI which is $320 month and with rates that will increase significantly again in five years.

USPS no medical exam life insurance after retirement: lock in the rates for when you retire from the USPS so the premiums won't go up as you get older and save a lot of money compared to the FEGLI. For example, a 57-year old female can secure a $500,000 20-year term no medical exam life insurance policy for as low as $92 month if healthy from a top U.S. insurer.

To receive instant no medical exam life insurance quotes for USPS employees check out our quotes page.

*Must have had a checkup with labs in the last 12 months