Save money on your rate for your healthy lifestyle habits – based on your activities and diet, you get a prediction of your long-term health, and that's what your life insurance monthly rate is largely based upon (including the coverage you need). Volume discounts. Website tool lets you compare options from different companies.
If you don't currently do enough of the included "healthy habits" this may not be for you. Health can be unpredictable.
Coverage options range from $50K to $1M. 10 or 20 year terms available. Easy process and straightforward options. Based entirely online, which could be a pro or con depending on your communication style. Affordable – plans as low as $8 a month.
Very limited options compared to other companies, but if you want a simple plan for a narrow term, that might be for the best.
Straightforward term life insurance – typically, you select 10, 15, 20, or 30 years' term, the amount you want insured (100K to 3M) and your beneficiaries receive a tax-free lump sum in the event of your death. You pay a locked monthly fee (rate should not change over time). We like the easy guided questionnaire to receive an instant estimate. Much more affordable than whole life insurance.
If you live beyond the term selected, your loved ones receive nothing – so make sure you don't select too narrow a term.
Take a very easy and quick (5 minutes) quiz, select from your plan options, and receive coverage instantly. You can cancel within the first 30 days for a full refund. Plans are easily adjustable. A good option for those new to insurance and need basic coverage. Coverage options range from $100K to $8M.
If you want additional riders, this option might not be comprehensive enough.
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