RBC Express Term is a form of term life insurance available online. RBC Express Term is considered simplified life insurance, because it is quick and easy to apply online.
RBC Express Term is issued by RBC Insurance, through its subsidiary Liberty Life Insurance Company of Greenville, South Carolina which is rated “A” Excellent by A.M. Best for financial strength.
RBC Express Term offers level term life insurance coverage for 10, 15 or 20 years to people who are age 60 or under. Your rates and coverage amount remain the same for the entire term of the policy.
One of the main benefits of this life insurance is that there is no physical exam required to qualify for coverage. You answer a few health questions and the insurance company quickly decides by your answers whether you qualify for a policy, and how much you will have to pay.
This type of policy is less time-consuming than going through fully underwritten life insurance from another insurance company. You can apply online and get approved in about 15 minutes, if qualified. You may also start your coverage the same day.
However, the cost of this policy may be higher than going through the full underwriting and taking a physical exam with another insurer.
Since you only answer a few health questions, you may qualify for more coverage than other fully-underwritten policies offered through other insurers. However, because they accept some people that may not be accepted with other insurers, your rate may be higher to pay for potential clams.
Some people choose RBC Express Term life insurance because it offers up to $150,000 of term life insurance with no medical exams, no need to meet with an agent, and no delays. And, there is a 31 day money-back guarantee, no questions asked.
You can apply online for coverage for you and your spouse. This has become more popular because many people want life insurance protection without exams that they can handle on their own without going through a life insurance agent.
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