Below are programs that are available by using our Drop Ticket application through Lifemah.com. If your client meets the criteria set by the carrier there is a chance they will have the medical exam waived, and the policy issued once they complete the telephone interview and e signatures. We see an average of 20% of cases with medicals waived. Click below to learn more about each carrier’s program. We have had term policies in this program issue as quick as 24 hours!