Get your free lifeinsurance quote.

We review what you shared and reach out by phone or text, in English or Spanish, to ask a few questions about your goals and health. Then we compare options from several carriers and walk you through them. There is no cost and no obligation.

Your name, state and contact details are enough to start. On the call we will ask about your age, general health, tobacco use, the people you want to protect and the amount of coverage you have in mind.

Not always. Many policies today use health questions and record checks instead of an exam, depending on the carrier, the amount of coverage and your health. If a carrier asks for an exam, we help you schedule it and explain each step.

It varies by carrier and policy. Some applications get a decision quickly, while others take a few weeks when medical records or an exam are needed. We keep you updated the whole way, and coverage starts only once the carrier approves the policy and it is in force.

Cost depends on your age, health, the type of policy, the amount and the carrier. The simplest way to know is a quote, which is free and comes with no obligation. We can also show you how changing the amount or term changes the price.

Carriers look at health conditions differently, so it helps to check more than one. Some types, like simplified issue and guaranteed issue whole life, are designed for people with health conditions. We cannot promise approval, but we will look for the options that may fit you.