TERM LIFE INSURANCE FOR THE LIVING

I'll shop the entire marketplace of A rated carriers to find you the most affordable term life with Living Benefits

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DO YOU HAVE THE NEW KIND OF LIFE INSURANCE?

Why settle for a policy that only pays when you’re gone?

Modern life insurance with Living Benefits gives you access to your death benefit while you're still living—for critical illness, chronic conditions, or terminal diagnosis.

All at no extra cost and tax free!

It’s peace of mind that protects you and your family simultaneously.

LIVING BENEFITS INCLUDES:

Once a qualifying health event has occurred on an active policy, a Living Benefits policy will allow the insured to accelerate the death benefit, essentially allowing early access to the policy’s death benefit at a discounted rate.

That discount will vary depending on the severity of the illness or injury.

The more impact the health condition had on the insured’s life expectancy going forward, the more money they will be offered per given amount of death benefit.

I Only Shop The Best In The Business

I Make The Process Fast, Easy, Educational, and Pressure Free

70% of applicants get approved within 24-72 hours with no medical exam

HERE'S HOW IT WORKS

Step 1: Complete Quote Request
Fill out a few basic questions about yourself and we will shop the best carrier for you based on your needs, age, and current health status. Within 1-24 hours we will email you a quote.
Step 2: Submit a Risk-Free Trial Application
If the quote looks good to you, one of our field underwriters will assist you in completing a detailed health questionnaire and submit a trial application to the insurance carrier. There’s no payment required upfront, and we’ll wait to see if you’re approved before moving forward.

The good news? About 7 out of 10 applicants are approved with no medical exam. If an exam is required, we’ll coordinate everything for you—including sending a licensed nurse to your home or workplace for a quick, free 30-minute visit.

Need coverage faster? We also offer instant approval options with no exam, though rates may be slightly higher compared to traditional underwriting.
Step 3: Review and Pay
Congrats! That's it. Once you are approved and the premium is within your budget, you will receive a confirmation email from the carrier to accept your policy and make your first premium payment.