Life Insurance Made Easy

The income replacement method is a simple and effective way to determine how much life insurance you need. You can start with your annual income and estimate how many years your loved ones would need this income if you were to die. By multiplying your income by the number of years it will be needed if you die, you can quickly determine how much life insurance you should consider purchasing. For example, if you earn $100,000 per year and your family would need this income for 20 years, you would need $2,000,000 in life insurance coverage. Keep in mind that this method does not take into account current or future debts, any future income growth, or other changes in your financial situation, so it’s important to review your coverage periodically to ensure that it meets your evolving needs. Of course, this is a more simplified approach, but it is a good start. Click here to learn more about additional ways to determine how much life insurance you should purchase.

When selecting a life insurance term length – the amount of time the policy will be in effect with a locked-in rate – it’s essential to consider your unique needs and goals. Different term lengths ranging from 10 to 40 years are available, and choosing the right one requires careful consideration of an individual’s age, health, financial obligations, and budget. If you’re on a tight budget, a shorter term length of 10-15 years might be appropriate, as it can provide the amount of coverage you need at a more affordable price. If you want to guarantee you have coverage until your children are grown and no longer financially dependent on your income, you should get at least a 20-year term. If you’re looking for long-term financial planning, protection of your income until retirement, and a more cost-effective plan, a 30-year term length might be a better option. Additionally, your age and health will also play a role in selecting the best term length, as premiums increase as you get older and may be impacted by future changes in your health. Ultimately, you may need to seek guidance from a licensed insurance agent to select the best term length. We can help you understand the available options and select the one that best fits your unique circumstances. Click here to learn more about choosing the right term length.

When choosing a life insurance company, there are several factors to consider, including price, underwriting standards, and financial strength ratings. Price is an important consideration, and you should compare rates from multiple companies to find the most affordable coverage. If you have any concerns about your health or personal risk factors, it’s also important to review each company’s underwriting standards with us to ensure that you can qualify for coverage and to understand any restrictions or limitations. Additionally, consider the financial strength ratings of the life insurance companies from independent rating agencies, as this indicates the company’s ability to pay claims and remain financially stable. Companies with higher ratings generally offer more security and peace of mind. By evaluating these factors and researching multiple companies, you can select the life insurance company that offers the best combination of affordability, underwriting standards, and financial strength. Contact us with any questions about any life insurance company or for our professional recommendation.

Step #1: Determine how much life insurance you need and your desired term length or policy type. Then use our quote machine to instantly compare price quotes from numerous top life insurance companies for your preferred policy.

Step #2: Complete and submit our secure online life insurance application. A licensed life insurance agent will confirm receipt of your application, complete a preliminary underwriting assessment, and either let you know if any other information is needed or submit it to the specified insurance company.

Step #3: You will receive an email or a phone call with instructions on how to complete a health questionnaire. If your application qualifies for accelerated underwriting there are no further requirements. If not, you will asked to complete a life insurance exam and a order a copy of your medical records may be ordered.

Step #4: After your application file is complete, it will be reviewed and you will receive notification of a final decision that will be delivered by our office. If the policy offer doesn’t come back as you hope, it can be modified, we can change companies, or you can reject the offer.

Step #5: If you want to proceed with the offer, your policy will be issued electronically for you to review and approved. After the company receives your first payment (by credit card, check, or bank draft) your policy will be activated and your loved ones financially protected!

The following life insurance companies offer coverage, up to a maximum amount, without a medical exam:

Up to $1,000,000
American General
Assurity
MassMutual
North American
Ohio National
Protective Life
Sagicor
Thrivent
Up to $2,000,000
Ameritas
Banner Life/Legal & General
National Life
Nationwide
Transamerica
United of Omaha
Up to $2,500,000
Lincoln National
Up to $3,000,000
John Hancock
Pacific Life
Prudential
Securian
Symetra
Up to $7,500,000
Penn Mutual

It is important to note that all of these companies still reserve the right to require an exam depending on age and health history of the applicant. Click here to learn more.

Yes. Our online life insurance application is secure and HIPAA-compliant thanks to several measures we have taken. This includes implementing SSL security (similar to online banks) to protect against unauthorized access and to ensure that data transmitted during the application process is encrypted and secure. Additionally, we follow strict HIPAA regulations to limit access to data and obtain consent before sharing it. To learn more, read our privacy policy.

No. You can apply for life insurance, receive a policy offer, and review the terms and pricing before making a final decision. If you decide not to accept the offer or to explore other options, you are free to do so without any cost or penalty.

No. There is no cost to you for any part of the application process. You will only have to pay the premium for your life insurance policy, if you choose to accept a policy offer.

Our price quotes are provided by COMPULIFE® and have been taken from the rate cards and rate manuals which life companies routinely publish and distribute to life agents and brokers. There are no additional costs for working with us, nor any surprise fees when purchasing a policy. However, all rates are subject to approval, and if there is a discrepancy between the information contained in the price quotes on our website and any official company illustration and/or policy, the policy shall govern.

We will immediately receive your application at our offices and you will receive an e-mail from us confirming our receipt. Then, throughout the processing of your application, you will receive regular updates on your application status. You are also welcome to call or e-mail with any questions about your application, or to request a status update.

The life insurance exam (also known as a paramedical exam) is typically completed in your own home at a time that is convenient for you, including weekends and early mornings. The exam includes obtaining your height and weight measurements, blood pressure and pulse readings, and blood and urine samples. Click here to learn more.

If your application qualifies for accelerated underwriting, you can get an official decision and have your policy issued anywhere from the same day you apply to within a week. However, if the company requests a life insurance exam, following completion of this exam it will typically take 2 weeks for those results to be sent to the company, reviewed, and a decision made. If your medical history requires a review of your medical records, it can take up to 30 days for medical facilities to process an order for your records and release them to the insurance company. The longest it usually takes for a company to reach a decision is 6-8 weeks.