Everyday Life Insurance offers a dynamic approach to life insurance, using technology to personalize policies to meet individual needs. They specialize in offering term life insurance with flexible terms and coverage limits. Their unique predictive protection model allows the policy to adjust over time, ensuring that coverage adapts to life’s changes. This service is ideal for those looking for a modern and adaptive approach to life insurance with the convenience of applying for and managing their policy online.
Associated Fees
Fees
As an insurance broker, Everyday Life Insurance does not typically charge commissions on the life insurance policies it offers. Instead, commissions associated with policies are determined by the insurance companies with whom Everyday Life Insurance partners. These commissions may include premiums and vary depending on factors such as the type of policy, amount of coverage, term, age and health of the insured.
However, there is no indication that Everyday Life Insurance charges fixed or adjustable commissions. The price of insurance policies is usually transparent, with the commission being the main cost.
Life Insurance Policies and Pricing
Accidental Death Insurance:
- Coverage: $50,000 to $350,000.
- Available to individuals between the ages of 18 and 60.
- No medical examination required.
- Renewable up to age 80.
RAPIDecision® Life (Term Life Insurance):
- Available in 10, 15, 20, 25, 30, 35 and 40 year terms.
- Coverage: $50,000 to $2 million.
- Available to individuals ages 18 to 65.
- No medical exam required.
- Medical evaluation available within first six months for potential higher benefits.
RAPIDecision® Simplified Issue Final Expense Whole Life:
- Coverage: $5,000 to $35,000.
- Designed for individuals ages 50 to 85.
- Guaranteed fixed premiums and sum assured.
- Cash value accumulation.
RAPIDecision® Guaranteed Issue Graded Benefit Whole Life:
- Coverage: $5,000 to $25,000.
- Available to individuals ages 50 to 85.
- Guaranteed fixed premiums.
- Full coverage starting in fourth year.
OPTerm (Term Life Insurance):
- Available in 10, 15, 20, 25, 30, 35 and 40 year terms.
- Initial coverage: $100,000 with no limit.
- Available for ages 20 to 75.
- Renewable and convertible.
SBLI Term Life:
- Available in 10, 15 and 20 year terms.
- Coverage: $25,000 to $1 million.
- Available for ages 18 to 50 (up to age 55 for certain coverage amounts).
- No medical exam required for policies under $750,000 (18 to 6 years).
TruStage™ Term Life Insurance:
- Coverage ranges from $5,000 to $300,000.
- Available for ages 18 to 69.
- Renewable through age 80.
- Premiums increase at certain ages.
TruStage™ Advantage Whole Life Insurance:
- Coverage ranges from $5,000 to $100,000.
- Available for ages 18 to 85.
- Fixed rate from inception.
- Permanent coverage.
TruStage™ Guaranteed Acceptance Whole Life Insurance:
- Coverage ranges from $2,000 to $20,000.
- Available for ages 45 to 80.
- No health-related denials.
Pricing and Customization
- Prices are typically transparent and start around $15 per month, but can vary based on individual factors.
- Policies… Are customizable. Customers can choose the coverage and terms that best suit their needs.
- The availability and cost of additional services depend on the specific policy and partner insurer.
Additional Considerations
- Policies are available nationwide.
- Contract terms are the same as the term of the policy or are lifetime for whole life insurance.
- A home inspection is not required to get a plan.
How to Get Life Insurance Through EveryDay Life
The first step to applying for EveryDay Life insurance is to visit their website and click on the “View Offers” link in the upper right corner. You can also view their offered plans on the “Our Plans” page.
How to Apply for EveryDay Life Insurance
Step 1
View Offers
Step 2
Get Advice / You Already Know Which Option to Choose
How to Apply for EveryDay Life Insurance
Step 3
Term/Permanent Insurance
- How to Apply for EveryDay Life Insurance
The first step to applying for EveryDay Life insurance is to visit their website and click on the “View Offers” link in the upper right corner. You can also view their offered plans on the “Our Plans” page. - Next, you will be taken to a welcome page where you can get plan advice or choose the one you already want.
- If you already know what type of insurance coverage you want, on the next page you can choose between term or permanent insurance. You can reach out to them anytime, by phone, or by using their AI-powered chatbot.
- After selecting a term or permanent life insurance policy, you’ll be taken to a screen where you’ll need to enter some basic information. You’ll need to provide your zip code, medical information, income information, and legal information for their system.
- Once you’re done, you’ll be taken to one of their recommendation pages to find the best option for you. You can also change your coverage and price, save your plan and come back to it later, or if you’re ready to buy, you can apply right away.
How Do I Apply For A Policy?
The Everyday Life application process consists of three parts, and each can be completed online. It requires less paperwork than a traditional insurer, and there’s no need to visit a doctor. In fact, you can get an approval response in under 15 minutes. Get started here >>>
1. Fill Out A Questionnaire
The Everyday Life questionnaire doesn’t ask for any of your personal information. It will ask for information about your family, dependents, salary, place of residence, date of birth, and other basic details. You can fill out all the information and start comparing policy options in less than two minutes.
2. Review Suggested Plans
You will be offered different plans according to your needs. All plans will be customized to your profile (you can also update your initial profile at any time). The amounts received by your dependents and the monthly payments will be displayed.
3. Choose And Adjust Your Plan
You’ll see your monthly payment change in real time based on the adjustments you’ve made. Once you’re happy with the adjustments, complete an application with one of Everyday’s insurance partners (Legal & General and Fidelity Life).
During this stage, you can ask the insurer any questions you have. In exceptional cases, a medical examination may be required. This final step shouldn’t take more than 10 minutes. Start the Everyday Life application process here >>>
