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Life Insurance

Coverage your family deserves.

$1M of term life from $25/mo. Whole life, universal life and final-expense options too — including no-medical-exam plans approved in minutes.

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Life by the numbers

Real protection. Real rates.

$25
Avg /mo for $1M term
15+
Life carriers
5min
Approval (no-exam)
A++
AM Best top tier
Plan types

Choose what fits.

✓ 10/20/30-Year Term

The cheapest way to get serious coverage. Lock in a rate for 10, 20 or 30 years. Most popular.

✓ Whole Life

Lifetime coverage with a guaranteed cash-value component. Premiums never change.

✓ Universal Life

Flexible premiums and death benefit with cash-value growth. Tax-advantaged building block.

✓ Final Expense

$5k–$50k of guaranteed coverage for funeral and end-of-life costs. No medical exam.

✓ No-Exam Life

Up to $1M with no needles and no doctor visits. Approval in minutes via accelerated underwriting.

✓ Mortgage Protection

Decreasing-term policies designed to pay off your mortgage if something happens to you.

How it works

Coverage in three steps.

1

Tell us about you

Age, health and how much coverage you want. Our needs calculator helps you decide.

2

Compare 15+ carriers

From Haven Life, Ladder, Bestow, Prudential, Banner, Pacific Life and more.

3

Apply in minutes

Most no-exam policies are approved instantly. Traditional policies typically issue in 2–4 weeks.

Life FAQ

Common questions.

How much life insurance do I need?
A common rule of thumb is 10–15× your annual income. Our calculator factors in debts, mortgage, kids' education and your spouse's income to give a personalized number.
Term vs whole life — which is better?
For most families, term is the right answer: more coverage for less money. Whole/universal makes sense for estate-planning, business succession, or maxed-out retirement savers.
Do I need a medical exam?
Not always. Many carriers now offer accelerated underwriting up to $1M+ with no exam, using third-party data. We surface no-exam options first if speed matters.
Can I get coverage with pre-existing conditions?
Usually yes — though premiums may be higher. We work with carriers that specialize in diabetes, heart conditions, cancer survivors and more.
What happens at the end of a term policy?
Most term policies are convertible to permanent insurance without a new medical exam, or you can simply let it expire. Some include a return-of-premium rider.

Protect your family today.

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Free · No spam · No medical exam options