How does online term insurance work?

Start by answering a few short questions about yourself and your coverage goals. In just minutes, you’ll see real-time quotes from top carriers so you can compare your options and find the best fit for your budget.

Once you’ve chosen a plan, complete your secure online application. The process is simple, straightforward, and can be done entirely from your phone or computer — no paperwork, phone calls, or scheduling required.

Many applicants receive an approval decision within minutes. Some may be asked for a few follow-up details, but most can skip the medical exam entirely and move straight to coverage.

As soon as you’re approved, your policy becomes active. You’ll receive your documents digitally, and you can manage your coverage anytime. Enjoy the peace of mind that comes with knowing your family’s protected.