Financial Fitness

Term Life Insurance

A life insurance policy can help your family maintain the lifestyle they've grown to love and provide long-lasting financial security. 

We work with the best in the business to find you the best policy.  Learn more about the life insurance products we offer. 

Protect Your Family

Term life insurance is a simple and affordable way to provide financial protection for your loved ones in the event of your death. Because they wouldn’t just lose you—they’d lose all the financial support you provide.

Get a Quote

HOW INSURANCE WORKS

The modern way to get Life Insurance

1

Fast and Easy

Application

Our application is simple, straightforward, and 100% online–meaning you can apply for life insurance from the comfort of your home. Most applicants don’t even need a medical exam.


2

Money Back 

Guarantee 

If you’re not happy with your policy in the first 30 days for any reason, we’ll refund your payment in full. After that, you are also free to cancel your policy at any time if it doesn't work for you, with no cancellation fees.

3

Lifetime Client

Support            

Whether you need technical support, answers to your life insurance questions, or unbiased advice from a licensed agent, our team is available to help.


4


​Start the Process

Get a Quote

Simplified Issue vs. Fully Underwritten

Term life insurance policies are offered with various levels of underwriting. Here’s a quick look at the differences between each, and what that means for you:

Simplified Issue

Most of our term policies are simplified issue, which means the application process is simplified. The underwriting decision is instant, and based solely on third-party data pulls and the applicant’s responses to some health questions within the application. No medical exams necessary.

This type of underwriting may be right for you, particularly if:
  • You need life insurance, but you aren’t sure you’d qualify for a traditionally underwritten policy
  • You want a simple process without medical exams or lab tests
  • You thought you couldn’t get life insurance because of your age or health

Fully Underwritten

Some of our term policies are fully underwritten. Traditionally, most fully underwritten policies require applicants to fill out a full application and have a medical exam. However, we don’t require a medical exam from most applicants (just a few health questions are asked within the application).

This type of underwriting may be right for you, particularly if:
  • You’re in good health
  • You’re looking for life insurance with a higher death benefit
  • You don’t mind a longer application process

FAQ

What does a policy cover?

What does a policy cover?

It’s ultimately up to your beneficiaries to decide how to use the payout. People often use it to help cover things like:
  • Home mortgages or rent
  • Lost income
  • Loans & debt
  • Children’s education
  • Living expenses
  • Funeral costs
How do policy claims and payouts work?

How do policy claims and payouts work?

In general, it’s simple for your beneficiaries to file a claim and receive the payout. If you pass away while your coverage is in force, your beneficiary can file a claim with your insurance carrier, and the carrier will work with them to issue the death benefit payout. Your insurance carrier will be identified on your policy documents. Assuming there are no unusual complications, your beneficiary will receive an untaxed, lump-sum payment for the value of the policy (the death benefit). For example, if you purchase $1 million in coverage, your beneficiary will receive a tax-free $1 million lump-sum payout.

Is there a chance the payout won’t be paid?

Is there a chance the payout won’t be paid?

A claim may not be paid out if underwriting finds that parts of the application were answered untruthfully or if the claim is the result of death by suicide within the first two years of the policy being in force.

What happens when my term ends?

What happens when my term ends?

If you do not pass away during your term, you have a few options when your term ends:
  • You can apply to extend your term to ensure you always have coverage.
  • You can apply for a new policy with a longer or shorter term, with the same, or more, or less coverage.
  • You can elect to not get another policy if you determine you no longer need the financial protection.
DISCLAIMERS
Financial Fitness is a registered investment adviser located in Las Vegas, Nevada. Financial Fitness may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Financial Fitness web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Financial Fitness web site on the Internet should not be construed by any consumer and/or prospective client as Financial Fitness solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Financial Fitness with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Financial Fitness, please contact the state securities
regulators for those states in which Financial Fitness maintains a registration filing. A copy of RIA Firm Name’s current written disclosure statement discussing RIA Firm Name’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from Financial Fitness upon written request. Financial Fitness does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Financial Fitness web site or incorporated herein, and takes no responsibility therefor. 
All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. This website and information are provided for guidance and information purposes only. 
Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy.  
This website and information are not intended to provide investment, tax, or legal advice. There are no warranties implied.