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From quote to coverage in minutes. Here's exactly what to expect.
We've rebuilt the life insurance application from the ground up. No stacks of paperwork, no waiting weeks for a decision, and for most healthy applicants, no medical exams.
Answer a few basic questions about your age, gender, zip code, and health. We'll show you instant price estimates for Term and Whole life policies. No contact info required just to see a price.
If you like the price, complete the full application. It takes about 10 minutes. We'll ask for details about your lifestyle, medical history, and beneficiaries.
Our system checks databases (like prescription history and motor vehicle records) in real-time to verify your information.
Once approved, you'll set up your payment, sign your policy electronically, and you're covered! You can manage your policy, beneficiaries, and payments from your dashboard 24/7.
Most of our applicants qualify for coverage without a medical exam. However, if you have certain pre-existing conditions or are applying for a very high coverage amount, we might need a quick paramedical exam (a nurse comes to you to check height, weight, blood pressure, and draw blood). We pay for this, and it can be scheduled at your convenience.
Absolutely. We use bank-level encryption to protect your personal and medical information. We are HIPAA compliant and never sell your data to third parties.