Digital life insurance companies that offer online quotes


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Written by
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Licensed Auto Insurance Agent
UPDATED: 2021-03-01T22:23:47.482Z
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A family on the couch in their living room shopping for life insurance on their laptop.

It used to be quite an ordeal to get a apply for life insurance. First, you had to set up an appointment to meet with an agent in person and then a medical professional came to your house or met you at a clinic for a health check. After that, it all had to be processed. This meant the application process could be quite complicated at times.

Life insurance is an important thing to consider purchasing, particularly if you have a family. A life insurance policy can help pay for things like funeral costs, mortgage payments, or medical debt that comes due after death. It offers peace of mind for a family.

Similar to so many other businesses, the life insurance process has evolved and improved as the internet has evolved. Now, you can easily get a life insurance quote online in a matter of minutes from a digital life insurance company or online marketplace.

Shopping for life insurance online through a marketplace

When shopping for life insurance online, customers can either get quotes directly from digital life insurance companies or use an online life insurance marketplace. These marketplaces allow you to enter your information online and receive a handful of quotes in return.

Shopping for life insurance online in this way is fast and easy. You only have to enter your information once to receive multiple quotes that you can compare. Before using an online marketplace to shop for life insurance, just make sure to check the company’s privacy policy to make sure you know how your information will be used.

A great option to shop for life insurance online is through Policygenius. On the Policygenius website, you answer a few questions and receive life insurance quotes in return. Policygenius states on its website that the information you enter stays with Policygenius and you will not receive spam inquiries.

Additionally, Policygenius has a Best Price Guarantee. Policygenius’ underwriting experts match you with the right life insurance company. They ensure you’re offered the best price for the policy.

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What are digital life insurance companies?

In addition to the large, well known life insurance companies, there are new digitally-focused companies that provide online tools to quickly get quotes. These digital life insurance companies simplify the quote process via technology and innovation, rather than relying on the in-person approach that had been standard practice in life insurance.

This post will highlight some of the leading digital life insurance options available. If you’re looking to buy life insurance online, this guide is a good place to start your search.

State laws govern the types of insurance coverage that are available. As a result, not all products will be available in all states. It’s best to check out the websites for each company to see if your desired coverage is available in your area.

Bestow

Bestow launched in 2017 and offers term life insurance plans in increments of 10 and 20 years. There are age and other restrictions that applicants must meet, but the entire process can be completed online.

Applicants give permission for Bestow to pull data. Then Bestow uses an algorithm-based assessment tool to make eligibility and pricing determinations. You can be denied coverage, and older applicants (anyone over 55) are not eligible for coverage.

Fabric Life Insurance

Fabric is another online-based life insurance company that offers term life insurance policies and accidental death insurance policies. An accidental death policy will only pay a claim if the cause of death was determined to be accidental. For example, deaths caused by cancer or other medical conditions aren’t considered accidental. There are some age restrictions on policies and the options available for term insurance are limited to a 20-year policy.

Applicants fill out an online form for either product offering. No questions regarding health are asked for the accidental death policy, but are required for the term life insurance offering. Some applicants will be required to complete a health exam, but the company makes it easy to schedule these online.

Ladder Life Insurance

Ladder is another one of the newer life insurance company startups. It, too, provides quick online quotes. Ladder offers a wide range of term options that include 10, 15, 20, 25, and 30-year plans.

Similar to other online application options, Ladder relies on technology to provide quotes. There are no agents. Ladder is able to use digital technology so that policyholders can easily adjust coverage levels as their life changes.

Depending on your life insurance needs, you may be able to get a premium quote online. You may not even require a health exam to qualify. Busy people tend to skip processes that take a long time. However, ignoring life insurance needs could put your family in financial peril were something to happen to you.

There are many great ways to shop for life insurance online. Visit Clearsurance’s Life Insurance Guide to learn more about life insurance, including the different kinds available.

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The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.

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