Instant Decision Term Life Insurance provides term coverage for applicants ages 18 to 55, with an online application and an eligibility decision that may be approval, denial or referral to underwriting. Approved applicants can complete electronic signatures and make an initial payment electronically.
The policy provides term protection for a specified period and includes an option to convert to permanent insurance, subject to age and face-amount requirements. Coverage is available for terms of 10, 20 or 30 years.

Instant Decision Term Life Insurance combines online applications with rapid eligibility decisions for term coverage.


Ladder sells term life insurance online in minutes, with no-exam applications and coverage up to $3 million.


Ethos Term Life Insurance offers online term life coverage with instant quotes and no medical exam.


Everyday Life is an online life insurance broker that recommends coverage and delivers instant decisions without medical exams.


Fabric offers direct-to-consumer term life insurance with an application the company says takes about ten minutes.


Smart Term Plan Plus is an individual term life policy with flexible cover variants.


Kemper provides individual life insurance products including whole life, term life, and graded death benefit policies.


Everyday Life matches buyers to whole life policies online, with small permanent policies for seniors.


Ethos Whole Life Insurance provides permanent online coverage with fixed premiums, a guaranteed death benefit, and no medical exam.


Allstate offers individual life insurance products including term life and whole life policies.


Term, whole, and universal life insurance policies for individuals and families.


Term, whole, universal, and variable universal life insurance policies.


State Farm offers individual life insurance products including term life, whole life, and universal life policies.
Ladder sells term life insurance online in minutes, with no-exam applications and coverage up to $3 million.

Ethos Term Life Insurance offers online term life coverage with instant quotes and no medical exam.

Everyday Life is an online life insurance broker that recommends coverage and delivers instant decisions without medical exams.

Fabric offers direct-to-consumer term life insurance with an application the company says takes about ten minutes.

Smart Term Plan Plus is an individual term life policy with flexible cover variants.

Kemper provides individual life insurance products including whole life, term life, and graded death benefit policies.

Everyday Life matches buyers to whole life policies online, with small permanent policies for seniors.

Ethos Whole Life Insurance provides permanent online coverage with fixed premiums, a guaranteed death benefit, and no medical exam.

Allstate offers individual life insurance products including term life and whole life policies.

Term, whole, and universal life insurance policies for individuals and families.

Term, whole, universal, and variable universal life insurance policies.

State Farm offers individual life insurance products including term life, whole life, and universal life policies.
