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Online Life Insurance (Instant Approval Term Insurance)

There are hundreds of highly-rated insurance providers, but only a handful of companies offer instant term life insurance without speaking to an agent.

Thankfully for these consumers, an affordable life insurance policy can be purchased from your home in about 15 minutes.

Applying for coverage is as easy as completing an online application from the privacy of your home.

If you need life insurance in a hurry, or would rather avoid dealing with insurance agents, medical exams, underwriters, and invasive phone interviews, select your state below to get started.

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*Product/company availability varies by state. On the next screen, you will see a list of providers that are offer life insurance products online in your state.

What is Online Life Insurance?

A few life insurance companies offer term insurance policies that can be purchased without speaking to an insurance agent.Toapply for a life insurance policy online, all you need to do is complete an electronic application,no medical exam is required.

Most online life insurance policies are approved and issued instantly which makes them ideal for business owners that need to collateralize a small business loan. Instant issue life insurance is also idea for busy executives, world travelers, or anyone that can't stand the thought of giving blood.

Top 6 Online Life Insurance Companies

As an independent life insurance agency, we represent more than 50 top-rated life insurance providers. Unfortunately, only a few of these companies offer life insurance that can be purchased instantly online though.

Here's brief overview of the best online life insurance companies in the industry, and a link to apply for coverage:

Our Top Choice:

#1. Haven Life

The Haven Life insurance company is backed and owned by MassMutual, an A++ rated insurer by AM Best. MassMutual is a Fortune 500 company that was founded almost 170 years ago as as The Massachusetts Mutual Life Insurance Company.

Haven offers up to $1,000,000 of life insurance to qualifying applicants under the age of 60 without a medical exam or phone interview. Most applicants are approved online in less than 5 minutes, and all term policies include an accelerated death benefit rider. Apply online with Haven Life now.

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#2. Bestow Life Insurance Company

In 2017, the Bestow Life Insurance Company partnered with North American Life Insurance Company to offer online life insurance without a medical exam. Currently, they offer 10 and 20-year terms for up to $1,000,000 of coverage, and a2-year term for $500,000 or less.

The North American Life Insurance Company was founded in 1890 and the are rated A+ (Superior) by AM Best for their financial stability. Their instant issue life insurance products through Bestow Life are available in 40 states and DC. Apply for an instant issue life insurance policy with Bestow now.

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#3. Motorists Insurance Group

With Motorist Life, up to $500,000 of instant issue term insurance is available to qualifying applicants between the ages of 16 and 70. These policies do not require a medical exam or a phone interview for approval and they can be converted into permanent coverage until the end of the term or age 70.

Motorist Life was founded in 1928 and they currently rated as an A-(Excellent) company for financial stability. Their instant issue life insurance products are currently offered in 16 states and they have more than 100,000 clients with roughly 6 billion dollars of life insurance in-force. Apply for instant issue life insurance with Motorists Life.

online-life-insurance-motorists

#4. Ethos

In 2017, Ethos partnered with the Assurity Life Insurance Company to offer instant issue term life insurance to qualified applicants between the ages of 18 and 75. The online application takes about 10 minutes to complete and most applicants are approved instantly.

Ethos currently offers as little as $25,000 or as much as $1,000,000 of life insurance coverage without speaking with an agent or completing a medical exam. They also offer 10, 15, 20, and 30-year level terms depending on your age. Apply for a life insurance policy online with Ethos now.

instant-life-insurance-ethos

#5. Ladder

In January of 2015, Ladder partnered with Allianz and the Fidelity Security Life Company to offer instant issue term life insurance policies for qualifying applicants between the ages of 20 and 60. Fidelity Security was founded in 1959 and the have an A - (Excellent) rating from A.M. Best for their financial stability.

Ladder currently offers10, 15, 20, 25, and 30-year level term policies forup to $3,000,000 of coverage without a medical exam or phone interview. The online application takes about 20 minutes to complete, and some individuals are approved almost instantly.

ladder-buy-life-insurance-online

#6. Sagicor Life

The Sagicor Life company is an A- (Excellent) rated life insurance company that was founded in 1840. They currently operate in 17 countries and are publicly-traded on the Barbados Stock Exchange as SFC and on the London Stock Exchange as SFI.

While most no-exam term life insurance providers only accept applicants in average or better health, Sagicor's insurance policies are available to applicants who are considered to bes in "substandard" health for their age. Apply for term life insurance only with the Sagicor Life insurance company.

purchase-life-insurance-online-sagicor

How Much Does Online Life Insurance Cost?

The shortest term available with most life insurance companies is ten years. During this time, your rates are guaranteed, regardless of any changes to your health. Below we've provided some actual life insurance rates by age and gender.

Instant Issue Life Insurance Quotes for A Female (10-Year Term)

Age$50,000$100,000$250,000$500,000$750,000$1,000,000
30$8.79$8.42$10.83$15.83$22.08$28.33
35$9.63$9.00$12.71$17.50$24.58$31.66
40$10.54$10.08$15.21$22.08$31.46$40.86
45$11.75$11.75$18.96$29.58$42.71$55.83
50$14.67$14.67$24.79$40.00$58.33$76.66
55$19.50$19.50$33.96$57.50$84.58$111.66
*Displayed monthly rates are provided by Bestow Life and provided for illustrative purposes only.

Instant Issue Life Insurance Quotes for A Male (10-Year Term)

Age$50,000$100,000$250,000$500,000$750,000$1,000,000
30$9.67$9.58$13.33$23.33$33.33$43.33
35$10.25$10.00$13.96$24.58$35.21$45.83
40$11.71$11.67$17.71$31.25$45.21$59.16
45$13.75$14.25$23.33$40.83$59.58$78.33
50$17.00$17.67$32.08$56.25$82.71$109.16
55$22.00$23.00$47.08$82.08$121.46$160.83
*Displayed monthly rates are provided by Bestow Life and provided for illustrative purposes only.

After you apply online, you'll have an option to view you rates and confirm coverage before you are billed for your policy. If you have buyer's remorse, don't worry, most life companies provide you at least 30 days to cancel your policy with a full-refund.

Should I Get Term Life or Whole life?

Before you decide on term life insurance or whole life insurance, you'll want to consider the reason or reasons you are shopping for life insurance.

Term life insurance provides the most coverage for the least amount of money and is sold in 5-year increments. If you want to provide a source of replacement income for your family, consider the number of years until you plan to retire, or the number of years until you expect your children to become financially independent.

Some people also determine their policy's term by considering their financial obligations, like paying off their home, or sending their children to college. In these situations, its best to buy a term policy that will extend past the number of years that you expect to have these debts or obligations.

If you still need some coverage after your term has ended, you may be able to convert your term into permanent coverage. However, it’s still important to structure your policy around your needs. Once your term has ended, your remainingfinancial obligations and debt should be minimal.

The Case for Whole Life Insurance

If you're only reason for purchasing life insurance to leave an inheritance, fund a trust, or provide money for your final expenses, we recommend avoiding term insurance. In these situations, do notrisk outliving your policy, even if your term policy offers a conversion option.

Instead, secure an affordable permanent policy and lock in your rates for the rest of your life. Traditional whole life insurance policies generallyoffer up to $50,000 of coverage that is guaranteed until the age of 100 or later.To learn more about whole life insurance it's alternatives, please see our article,"Is Whole Life Insurance Right for You?"

How We Can Help

JRC Insurance Group is an independently-owned life insurance agency that represents more than 50 top-rated life insurance companies.

By working with a variety of companies, we're able to shop the market on your behalf and match your needs with the best life insurance products available.

Our shopping service is free and there is no cost to apply. To learn more about your options for coverage before you apply online, call us toll-free at855-247-9555, or request a free instant online quote for life insurance below to compare rates from almost dozens of insurance providers.

Get Your FREE Life Insurance Quote Today

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By submitting an online insurance quote request, you are providing JRC Insurance Group with your prior express and written consent to call you at the cell phone number or residential phone number provided. Final rates are based on eligibility. You can also reach us toll-free at 855-247-9555.