Term Life InsuranceTerm Life Insurance
SBLISBLI
The most accessible no-exam policy — friendly to higher BMI and common managed conditions.
SBLI
The most accessible no-exam policy — friendly to higher BMI and common managed conditions.
About SBLI
SBLI (Savings Bank Life Insurance Company of Massachusetts) was founded in 1907 as a low-cost alternative to traditional agency-sold life insurance. Operating from Woburn, Massachusetts, SBLI has built a reputation for accessible underwriting — particularly welcoming to applicants with higher BMI profiles, controlled sleep apnea, and common managed health conditions — making quality coverage available to a broader population.
Accelerated Term
The most accessible no-exam policy — friendly to higher BMI and common managed conditions.
Product Details
Key Features
Broad No-Exam Eligibility
Ages 18–50 can apply for up to $1M with a real-time decision via a short tele-med interview or online application. Even applicants up to age 60 can qualify for up to $500K without a lab draw — no blood or urine testing required.
Higher BMI Accepted
While many carriers restrict no-exam approval at BMI 35, SBLI's accelerated track remains open for BMIs up to 38 — a meaningful advantage for applicants who fall just above standard cutoffs.
Common Managed Conditions Welcome
Well-managed sleep apnea (with CPAP compliance), mild anxiety or depression on one medication, and ADHD often qualify for immediate no-exam approval — conditions that cause delays or declinations at many other carriers.
Best For
Applicants who are slightly overweight or have common managed conditions, and anyone who wants to skip the blood draw entirely.