A great way to give your loved ones financial security when it's most needed.
100% digital. Apply in minutes.
What is Term Life Insurance?
Term life insurance is a type of life insurance that offers temporary financial protection with a level premium period between 10 and 30 years and pays a cash benefit to the beneficiary(ies) if the insured passes away
Term life insurance is ideal for meeting short-term financial needs, like paying off debts, replacing lost income, or covering childcare costs.
How it works:
How it works:
1. Get an instant quote
Take a few seconds to check your coverage price.
2. Apply online
A fully digital and streamlined application with no wait times.
3. Real assurance
If approved, coverage can begin once the payment is processed and the policy is issued so you can rest easy knowing you’re protected.
Coverage to fit your needs
Affordable
Term life insurance is one of the least expensive kinds of life insurance and can fit into your family's budget.
Flexible
If your needs change, you can convert to a permanent life insurance policy without additional underwriting.
Fast
Accelerated underwriting provides fast and easy underwriting, with instant approvals for qualified applicants for selected amounts of coverage.
Benefits can be used to:
Help pay the mortgage, childcare and other ongoing living expenses.
Pay off debt, including credit cards, loans or the mortgage.
Pay for medical bills or funeral costs.
Provide funds for your children’s education.
Continue a family business.
CUSTOM
AFFORDABLE
INSTANT
SEAMLESS
SECURE
SPEEDY
GENDER NEUTRAL
EASY
CUSTOM
AFFORDABLE
INSTANT
SEAMLESS
SECURE
SPEEDY
GENDER NEUTRAL
EASY
CUSTOM
AFFORDABLE
INSTANT
SEAMLESS
SECURE
SPEEDY
GENDER NEUTRAL
EASY
CUSTOM
AFFORDABLE
INSTANT
SEAMLESS
SECURE
SPEEDY
GENDER NEUTRAL
EASY
Product Features
Policy length
10, 15, 20 or 30 years.
Benefit Amount
Lumpsum payout between $25,000 and $10,000,000 with accelerated and instant decision available up to:
$500,000 for ages between 18 and 50
$350,000 for ages between 51 and 65
Product type
Term life insurance.
Issued by
Rated A- (Excellent). A.M. Best ratings for insurers' financial strength range from A++ (Superior) to F (in liquidation).
Who is Eligible for Accelerated Underwriting
Requested benefit amount below $500,000 for ages 18-50 and below $350,000 for ages 51-65
Below the age of 66 and normal BMI
No bankruptcy in the last two years
No prior felony convictions
Hasn't had DUI or reckless driving charges in the last two years
Isn't participating in high-risk activities or hobbies like private aviation or skydiving
No prescription drugs taken for, or a history of the following: AIDS/HIV, cancer, chronic pulmonary disease, kidney disease, bipolar disorders, multiple sclerosis (MS), heart disease, Parkinson's disease, or stroke
The product is available for healthy US individuals between 18 and 64 years of age. If you have a history of pre-existing conditions, you may not be eligible for a policy at this time.
The application and underwriting process are fully digital — no medical exams, no paperwork. However, in instances, where information on your application is not true or accurate, or in case, you have certain pre-existing conditions, your application might be referred to our underwriting partners to take a look at it.
To assess accurately how much income insurance cover, you will need, we recommend calculating an estimate of what your monthly expenses, including but not limited to, the living and recurring expenses, mortgage payments (if any), children’s expenses, lifestyle expenses, and other essential daily expenses. Also consider your current income and how much emergency savings that you already have. Once you have all this information, estimate what benefit amount you will need that will help you sustain your obligations and necessities for a period.
We like to think that our applicants are trustworthy people. That’s why we base approvals and premiums on the answers that you give us in your application. It saves time, gets you covered faster, and avoids any hassle over medical appointments. Did we mention that our entire application process is 100% digital too?
NEED GUIDANCE?
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