We work with top-rated life insurance companies like Legal & General America, Ameritas Life Insurance Corp., AAA Life, Principal, and TruStage®. We've streamlined the application process, our goal is to make the process simple, easy, and accessible for all!
You can apply for term life insurance in just about 10 minutes. We offer flexible coverage options you can personalize to fit your budget and coverage needs. And most people don’t even need a medical exam.
Every policy we offer includes level premiums, meaning your rate will never increase during your term. It’s kind of like a monthly subscription that promises your family financial protection in case something happens to you.
Owning life insurance can help your family cover the big things—like the costs of a mortgage, debt, and it can also replace your income. If you have children or plan on starting a family, life insurance can also help protect any future plans (like college) and help make sure your family can reach its ultimate goals.
Our 100% online and hassle-free process makes it easy to apply. What traditionally took weeks can now be done in minutes, so you can focus on what matters. Most applicants don't even need a medical exam.
Our simplified underwriting process uses new technology and predictive modeling to provide instant decisions, with no medical exams for most people. When that isn’t possible, we’ve reduced the time you wait from months to days.
You can cancel your policy anytime, with no cancellation fees.
Rather talk to someone? No problem, please click able to schedule a No Obligation Life Insurance review call with Christopher Lyons. Chris has been in the insurance industry for over 20 years, and will gladly help you!
Please click above to get a quote and even apply online!
Life insurance is not sexy. It’s not fun to talk about and it’s definitely not a process anyone enjoys. However, much like death and taxes, buying life insurance is an essential part of life and a crucial element of sound financial planning. Most everyone is aware that they need life insurance but, from my experience, most people procrastinate until there is an important life event that pushes them to buy it. However, there are some serious benefits to buying insurance early on, especially if you have debt, are married or planning on marriage, have or are planning on starting a family, or you are a business owner.
How Does Term Life Insurance Work? Term life insurance is quite simple—use it or lose it. In other words, you pay an annual premium (determined by the insurance company) for the “term” of the policy (usually 20 or 30 years) and if you die within those 20 or 30 years, your beneficiary will collect the specified amount indicated on the policy. For example, let’s assume you purchase a $1 million, 20-year term policy and the premium is $600/year. Assuming you are current on your premium payment, if you die within the 20-year period, your beneficiary will receive $1 million, tax-free.
How Does Whole Life Insurance Work? A whole life policy provides a set amount of coverage for your entire life. As long as the premiums are paid, your beneficiary will receive the benefit amount upon your death. Whole life policies also build up "cash value" from part of the premium being invested. It’s possible to access that cash value as the funds grow.
Whole life policies build up cash value slowly at first, but then pick up the pace after several years, when your earnings start to grow faster than your "mortality cost” (the cost of insuring you). At some point, the cash value may eventually earn enough that it could be used to continue to pay for your premiums until you die. Your insurer should be able to provide you with a policy illustration to demonstrate the potential growth of your policy.
Why Do You Need Life Insurance? One of the most fundamental questions you should ask yourself when contemplating life insurance is this: Will someone in my life be adversely effected (from a financial standpoint) by my untimely death? This is different from “Will someone be sad by my untimely death?” I will be sad. But I do not want to assume your financial liabilities.
How Much Insurance Do You Need? This is not an easy question to answer and everyone is different. First, it depends on the variables I mentioned above. It also depends on your age, your sex (men are generally more expensive to insure than women), and how much insurance you can afford. The general formula used by insurance agents is somewhere between 7-10 times your annual salary. For example, if you make $100,000/year, you should consider buying somewhere between $700,000 to $1,000,000 of insurance. That being said, if your life is complicated (kids, business, lots of debt), you should probably look to increase that amount. Again, consider seeking the advice of a financial advisor who understands your financials before making this decision.