No-exam life insurance (often called simplified issue or accelerated term) uses algorithms and public data to verify your health history instead of a physical doctor’s visit. If you are generally healthy, you can skip the needles and get covered 100% online.

Term Life Insurance covers you for a specific period (like 10, 20, or 30 years) and is generally much more affordable, making it the best choice for most families. Whole Life Insurance offers permanent coverage that lasts your entire life and builds cash value, but it typically costs 5-10 times more than term policies.

A general rule of thumb is to buy coverage equal to 10x to 12x your annual income. This ensures your family can replace your salary, pay off the mortgage, and cover future debts if you pass away. You can use our online calculator to adjust the amount based on your specific budget.

Generally, no. The death benefit paid to your beneficiaries is usually income-tax-free. This means if your policy is for $500,000, your family receives the full $500,000 to help them maintain their standard of living without owing a cut to the IRS.

Not necessarily. Because technology has lowered the administrative costs for insurance companies, online term life insurance rates are extremely competitive. While you might pay a few dollars more for the convenience of skipping the medical exam, many young and healthy applicants find the rates comparable to traditional policies.

If you have a term life policy and stop paying, your coverage will lapse (end) after a short grace period (usually 30 days). You won't owe any back payments, but you will no longer have protection. It is important to choose a premium amount you can comfortably afford long-term.

Yes, you can still get coverage, though smokers typically pay higher rates than non-smokers due to increased health risks. However, if you quit smoking for at least 12 months, many insurance carriers will allow you to re-apply or request a rate reduction to non-smoker rates.

If you purchase Level Term Life Insurance, your premium is locked in for the entire length of the term (e.g., 20 years). Even if your health changes or you get older, your monthly payment stays exactly the same until the term expires.

Absolutely. We use bank-level encryption to protect your personal data during the quote and application process. Your information is only used to secure your policy and is never sold to third-party telemarketers.