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.

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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

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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.