When you need life insurance, you want to keep the process straightforward.

Some companies make you answer tedious health questions, but you have other options when you want to buy life insurance now.

buy life insurance online now

We have the information you need to get life insurance that gives you the coverage you need instantly, from knowing what kind to buy to how to apply for it.

How to Buy Life Insurance Online Now

You can purchase life insurance from many sources, though not all of them work to your advantage. If you want a good deal on your policy along with the coverage you need, you should buy your insurance from an:

  • Insurance company
  • Independent agent
  • Independent broker online

An independent online insurance broker gives you the option to get quotes and go through the buying process online or over the phone.

Using this online resource makes purchasing insurance more straightforward and faster than if you go through an insurance agent or work directly with an insurance company. It offers other benefits, as well.

Working with a single insurance company narrows your options to that one company. They won't tell you that another provider can offer you more coverage at a better premium like an independent agent will.

Even if you're not shopping for insurance online, you should work with an independent agent that lets you explore all your options.

An independent online broker makes the process even simpler than an in-person agent.

You answer a few questions, and the online broker will give you quotes for different policies from several companies.

Once you choose the one you like best, the broker will help you start the process of purchasing your coverage.

THE SIMPLY INSURANCE WAY

No Exam Life Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get no exam life insurance coverage within minutes of getting your quotes and applying.

What Kind of Life Insurance Should You Buy?

What makes term life insurance without a physical exam so enticing is that it gives you the ability to do a few things:

While you have a few options for which type of life insurance policy to buy, most insurance agents and brokers will tell you to get term life insurance.

Term life insurance costs less than whole life insurance and other types of life insurance.

It doesn't build cash value the way whole life does. As long as you continue to pay for term life insurance, your policy covers you in the event of your death.

You also stop paying premiums after your policy expires.

Term life insurance typically costs less than whole life insurance. You can get a $500,000 policy for as low as $20 per month or less than $500 per year, depending on your age.

Whole life insurance, on the other hand, can cost you around $8,000 per year. You may pay more in premiums than your policy will payout after your death.

Who Offers Instant Online Life Insurance?

You can get instant online life insurance from an independent online insurance broker.

At Simply Insurance, we have a fast and straightforward process that begins with giving you a quote for the type of life insurance you need.

You can then fill out an application that shouldn’t take more than 20 minutes to complete.

After you’ve applied, you receive instant approval for your policy through some of our top-rated insurance companies, including:

  • Bestow
  • Haven Life
  • Ladder
  • Lemonade

Some of these companies, like Bestow, don’t ask you to take a medical exam to receive coverage.

You may have to take an exam with others, but that doesn’t mean these companies will deny you coverage. In these cases, the exam helps determine your premium and coverage amount.

These insurance companies also receive other information, including your driving record, if you allow them to access it.

INSURANCE WHERE YOU LIVE

Life insurance by state.

Do You Have to Give Info for a Quote?

With Simply Insurance and most other independent brokers offering instant online life insurance, you don't need to provide any personal information for a policy quote.

However, to get an accurate quote, you may have to answer some general health questions.

Shopping for life insurance quotes becomes less complicated when you don’t have to continually provide your personal information, as it means no one tries to sell you insurance.

You don’t provide your name, phone number, or email address when you ask for a quote.

When you get a quote, you give anonymous answers to basic medical questions to get the most accurate quote for your coverage options.

You only provide your name and other information once you apply to get life insurance online now.

How to Apply for Life Insurance Fast

Depending on where you apply for life insurance, you may go through a more extensive application process.

Regardless, Simply Insurance can help you through the questions and requirements.

get life insurance right now

When you apply for life insurance, the questions involve topics like your specific medical history. You may still need a medical exam, depending on the insurance company you choose.

If you must complete a medical exam, it may take a few weeks for the insurance company to get your results.

You'll receive a copy, and your insurance company may ask you additional questions based on your results.

If you don’t need a medical exam, your application should take less than half an hour to complete.

After that, you get instant approval from the insurance company when you apply online.

THE SIMPLY INSURANCE WAY

No Exam Life Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get no exam life insurance coverage within minutes of getting your quotes and applying.

What to Expect After You Apply

Once the insurance company approves you, they’ll notify you and send you a copy of your policy. That copy should contain everything you need to know about your coverage, including:

  • Premiums
  • Coverage amount
  • Terms of coverage
  • How long your coverage lasts

Once you receive your copy of your policy, ask your insurance provider when the coverage goes into effect.

You shouldn’t pay for a policy you can’t use when you need it or pay for two life insurance policies.

For example, if you switch insurance providers, you don’t want to continue paying for your previous one once the new policy becomes effective.

Likewise, you don’t want to cancel your previous life insurance policy prematurely and risk having no coverage.

You should receive a digital and hard copy of your policy. Ensure you keep your policy somewhere safe and tell your family and beneficiary where to find it in the event of your death.

Taking Action

If you need life insurance now there’s absolutely no need to wait.

You can click here to get started and the best thing is that you don’t have to provide any personal information until you’re ready to apply.

If you have any questions about how to get life insurance fast, comment below.


Sa El

About the author

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 11 years of experience in the industry.  He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. He is also an Official Member of the Forbes Finance Council, a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.


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