Frequently Asked Questions

Generally, U.S. citizens and permanent residents between the ages of 18 and 60 are eligible to apply. Eligibility also depends on your health history and lifestyle choices. We offer policies for a wide range of health situations, so getting a quote is the best way to check.

Most of our applicants qualify for 'accelerated underwriting,' which means you can get covered without a medical exam. We use data sources like prescription history and motor vehicle records to verify your health. If you have specific health conditions or request a very high coverage amount (typically over $3 million), a brief paramedical exam might be required.

A common recommendation is 10-15 times your annual income. This helps ensure your family can maintain their standard of living, pay off debts (like a mortgage), and cover future expenses like college tuition. You can use our coverage calculator to get a personalized recommendation.

Term Life covers you for a specific period (10, 20, 30 years) and is generally more affordable, making it great for families needing high coverage during critical years. Whole Life covers you for your entire life, includes a cash value savings component, and has fixed premiums, but it is significantly more expensive.

Our online application typically takes about 10 minutes to complete. You'll answer questions about your personal info, health, and lifestyle. If approved instantly, you can be covered the same day.

You'll need your driver's license (or state ID), Social Security Number (for identity verification), and basic contact information. It's also helpful to have your doctor's name and address handy, as well as details about any medications you take.

No. Getting a quote and applying for life insurance with us involves a 'soft pull' in some cases to verify identity, but it does not affect your credit score.

We use your SSN to verify your identity and to access data sources (like prescription databases) that allow us to offer instant decisions without medical exams. Your data is encrypted and handled with the highest level of security.

Yes, you can update your beneficiaries at any time through your online dashboard. It is highly recommended to review your beneficiaries after major life events like marriage, divorce, or the birth of a child.

You can typically decrease your coverage amount at any time. Increasing coverage usually requires a new application or a review process to ensure you are still insurable for the higher amount.

We offer a grace period (usually 30 days) after your due date. During this time, your policy remains active. If you miss the payment and the grace period ends, your policy may lapse, meaning you lose coverage. Contact support immediately if you're having trouble paying.

Yes, you can cancel your policy at any time with no penalties. If you cancel a Term policy, coverage simply ends. If you cancel a Whole Life policy, you may receive the accumulated cash value (minus any surrender charges).

For Term Life insurance, your premiums are fixed (level) for the entire duration of the term you choose. They will not go up as you get older or if your health changes. Whole Life premiums are also typically fixed for life.

You can set up automatic monthly payments via credit card or bank transfer (ACH). You can also choose to pay annually, which often comes with a small discount.

Yes, tobacco use is a significant risk factor and will result in higher premiums. However, if you quit smoking and remain smoke-free for a certain period (usually 12 months), you may be able to re-apply or request a rate reconsideration.

Beneficiaries can start a claim online or by calling our support team. They will need to provide the policy number and a certified copy of the death certificate.

In most cases, life insurance death benefits are not considered taxable income for the beneficiary. However, interest earned on the payout (if the payout is delayed) may be taxable. We recommend consulting a tax professional for your specific situation.

Once we receive the death certificate and any necessary forms, most claims are processed within 24 hours. Funds are typically sent via direct deposit or check.

Our policies generally cover death anywhere in the world. The claims process may take slightly longer as we verify foreign death certificates, but the coverage remains valid.