Term life insurance that's fast, easy and affordable

Ease of doing business is a key priority for us, and we know that it is for you and your clients. That’s why we’re pleased to offer our Accelerated Underwriting Program—now with up to $3 million in coverage!

Our process is online—from application, to offer, payment and policy delivery—with three potential underwriting paths:

1. Instant coverage

If you qualify, you could get coverage in as little as 18 minutes. Premium payment is required for coverage to be in effect. 

2. Accelerated underwriting

If we have questions about your medications or your health history, it may take a little longer to get coverage—typically one to three days—and if you qualify, you'll receive a secure link to complete the process. 

3. Full underwriting

Certain conditions may require a medical exam. But we make scheduling it easy—you can do it online. If you qualify, you'll be able to complete the process where you left off, and you could have coverage within 30 days. 

Term period

10, 15, 20 and 30 years

Level Premiums

Premiums are guaranteed not to change for the coverage term period.

Minimum Age

20 years old

Policy sizes

$100,000 - $3 million


After the term period expires, the policy will automatically renew at annually increasing premiums until you are 95 years old, unless you cancel it. 

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