instant life insurance quotesIf you’re familiar with the sandwich chain Jimmy John’s then you know how fast they deliver their subs.

Hence their classic tagline, “Subs, so fast you’ll freak!”.

I swear there have been times that I’ve had them delivered where not two minutes after placing my order they’re in my office waiting area ready to make the delivery. Amazing.

Wouldn’t it be sweet if you could get life insurance that fast?

Getting a rate quote for traditional life insurance can seemingly take forever. First, you need to meet with an agent and fill out paperwork or complete the application online.

Then you might need to meet with a nurse or doctor and go through a number of health exams.

Finally, the life insurance underwriters will need a few weeks to review all your information before they can give you a price.

You need to put in all this time and work just to get a policy offer that you might not even want.

I see this happen all the time.

Fortunately, you have other options. There are a number of companies that offer “instant” life insurance quotes. You just need to enter in a few pieces of information online and you’ll receive a life insurance quote within a couple days or even hours.

There are three companies that do a great job of offering instant life insurance quotes.

I’ve put together a comparison of their different programs so you can decide which instant life insurance service is best for you.

If you have the time, traditional term life insurance will often times be the cheapest route and this is the direction I often suggest. If you have little patience and need immediate gratification, these are viable options and will get you life insurance with no medical exam.

Instant Life Insurance With 1ClickCoverage

Instant Life Insurance Quotes 1Click Coverage

National Life offers the very fastest way to get life insurance. They offer a program called 1ClickCoverage because all you have to do to apply is fill out one online form; a quote is one click away. You can complete your application anywhere you want and you don’t need to speak with an agent.

Once you’re application is done, you’ll get a decision within an average of 3 minutes.

Through 1ClickCoverage, you can apply for up to $350,000 worth of term life insurance. National Life offers 10, 15, and 20 year term limits for these policies. On the application form, you’ll need to answer a few questions about your health. If you have a major illness, you probably won’t qualify but some conditions like high blood pressure or Type 2 Diabetes are insurable.

When you apply, National Life will consider the medical information you submit and will also look up your MIB medical history, your driving record, and your pharmacy records. If everything looks ok, you’ll receive a policy offer. A nice part about this program is that it offers two insurance ratings: Standard and Preferred. If you are very healthy, this works out nicely because you can get a discounted policy within minutes.

Want to see if you can get approved? Start an online application here and see how fast it is to get life insurance

Assurity Gives the Most Insurance Options

instant life insurance AssurityAnother way to get quick insurance quotes is through Assurity. Assurity’s approval process takes a bit more time than 1ClickCoverage.

To get a quote, you need to speak with an agent. You can handle this interview over the phone. The agent will ask you a few health questions similar to the 1ClickCoverage application.

Once this is complete, you’ll need to wait a few days for an offer. While this isn’t as fast as 1ClickCoverage, it’s still much, much faster than the weeks needed for a regular policy.

The main advantage of Assurity is that it gives you more insurance options than the other fast insurers. You can apply for policies as small as $50,000 and as large as $350,000. In addition, Assurity takes on a wider range of applicants. Assurity offers insurance up to Table Rating 8 whereas other companies stop at Table Rating 4 or lower. This means sicker applicants have a better chance of getting a policy through Assurity.

Lastly, Assurity offers a number of riders to their policy that aren’t offered by competing companies. For example, you can add a spousal policy or add on disability income insurance to your quick-approve Assurity policy.

Guaranteed Coverage with Fidelity Life Hybrid Insurance

Fidelty Life Instant Term InsuranceIf you have health issues, qualifying for a policy can be a challenge. While it’s nice to get a quick insurance decision, it doesn’t help you much if the decision is a rejection.

The Fidelity Life Hybrid Insurance could be your way around this issue. This program combines a quick and easy to qualify for policy with traditional life insurance.

When you apply, you need to answer a few questions for an agent. Afterwards, underwriting will take a couple days. While not all applicants will qualify, the acceptance requirements for Fidelity Life Hybrid Insurance are fairly loose. This program accepts applicants with weight issues or high blood pressure. If you pass the quick approval, you get about a third of your policy accepted as full life insurance and the other two-thirds as accidental death only. For example, the accidental death would cover you for a car accident, but not a heart attack.

From here, you’ll have up to six months to go through the traditional underwriting process with full medical exams. If you pass, your entire policy will become regular insurance. If you don’t, you still get to keep the hyrbrid policy of regular and accident-only life insurance. This is a great for applicants that can’t afford to waste time being uninsured during underwriting.

Cost of Life Insurance Without a Physical

Below is quick rundown of the cost of these type of policies:

SEXAGECoverage Amount/DurationFidelity HYBRIDAssurity Non-Med Term 3501 Click Coverage
Male30$250,000/ 30 Years$24.58/mo$34.76/mo$53.01/mo
Female30$250,000/ 30 Years$20.44/mo$28.38/mo$43.00/mo

If you like the sound of any of these programs and want to learn more, contact one of our representatives for a free consultation. We will be able to explain everything you need to know about the different programs and help you put together an application that is guaranteed to get the fastest possible approval.

Interested in an instant life insurance quote? You’re in luck, because that’s what I do. :) Use my contact form or call my office direct and someone from my team will be happy to help. Our toll free # is 855-457-6525.

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Comments | 4 Responses

  1. says

    Do you find that insurance rates are higher through these types of insurers? How do the terms differ? I could see where this type of coverage would be beneficial for someone that is not in optimal health, but would you recommend these type of insurers for someone in good health that could easily pass a health exam?

    • says

      @Long The rates will always be higher with any instant life insurance or no medical exam policies. I’m in the process of running some sample quotes on each to compare and will be adding to the blog post.

      Terms are pretty much the same.

      Sure. If you read the disclaimer at the beginning, I always suggest that if you have the time and don’t mind the medical exam, traditional term policies will be much cheaper.

      The most common types of individuals that these policies make sense for are for people in an insurance bind: divorce decree states they need insurance ASAP, insurance to secure the loan for a business, people who just want insurance now and don’t want to deal with the hassle of the underwriting process (it’s not really a hassle IMHO but others think so).

      • says

        Thanks for the clarification Jeff. I’m still learning a lot about insurance and the last points in your reply helped me understand why these types of products exist.

  2. says

    I had never heard of instant life insurance before. Great article. I guess the protection is that all insurance companies can legally drop you after the fact if you lie on an application so that means the initial info, if accurate, means they should know immediately if you are insurable.

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