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Fast, straightforward application

100% online and hassle-free process makes it easy to apply. What traditionally took weeks can now be done in minutes, so you can focus on what matters. Most applicants don't even need a medical exam.

Automated & simplified underwriting

A simplified underwriting process uses new technology and predictive modeling to provide instant decisions, with no medical exams for most people. When that isn’t possible, we’ve reduced the time you wait from months to days.

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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. No problem.

Cancel anytime

You can cancel your policy anytime, with no cancellation fees.