“Everyday Life Insurance” offers a dynamic approach to life insurance, utilizing technology to tailor policies to individual needs. They specialize in providing term life insurance options with flexible terms and coverage limits. Their unique predictive protection model allows for policy adjustments over time, ensuring that coverage keeps pace with life changes. This service is ideal for those seeking a modern, adaptable approach, combined with the convenience of applying for and managing their policy online.
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Associated Fees
As an intermediary, “Everyday Life Insurance” typically does not charge its own service fees for the life insurance policies it offers. Instead, any fees associated with the policies are determined by the specific insurance companies with which “Everyday Life Insurance” partners. These prices may include insurance coverage costs and vary based on factors such as the policy type, coverage amount, term duration, as well as the policyholder’s age and health status.
However, there is no indication of any fixed or adjustable service fees charged by “Everyday Life Insurance.” Insurance policy prices are generally transparent, with the premium being the primary cost.
Life Insurance Policies and Pricing
Accidental Death Insurance:
- Coverage: $50,000 to $350,000.
- Available for ages 18 to 60.
- No medical exam required.
- Renewable up to age 80.
RAPIDecision® Life (Term Life Insurance):
- Terms of 10, 15, 20, 25, 30, 35, and 40 years.
- Coverage: $50,000 to $2 million.
- Available for ages 18 to 65.
- No medical exam required.
- Option for medical underwriting within the first six months for potentially improved benefits.
RAPIDecision® Simplified Issue Final Expense Whole Life:
- Coverage: $5,000 to $35,000.
- Designed for ages 50 to 85.
- Guaranteed level premiums and coverage amounts (death benefit).
- Cash value accumulation.
RAPIDecision® Guaranteed Issue Graded Benefit Whole Life:
- Coverage: $5,000 to $25,000.
- For ages 50 to 85.
- Guaranteed level premiums.
- Full coverage begins in the fourth year.
OPTerm (Term Life Insurance):
- Terms of 10, 15, 20, 25, 30, 35, and 40 years.
- Initial coverage starts at $100,000 with no maximum limit.
- Available for ages 20 to 75.
- Renewable and convertible.
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SBLI Term Life:
- 10, 15, and 20-year terms.
- Coverage: $25,000 to $1 million.
- For ages 18 to 50 (up to age 55 for certain coverage amounts).
- No medical exam required for policies under $750,000 (for ages 18 to 60).
TruStage™ Term Life Insurance:
- Coverage ranges from $5,000 to $300,000.
- Available for ages 18 to 69.
- Renewable up to age 80.
- Premium rates increase at certain ages.
TruStage™ Guaranteed Acceptance Whole Life Insurance:
- Coverage: $5,000 to $100,000.
- For ages 18 to 85.
- Fixed rate from the start.
TruStage™ Guaranteed Acceptance Whole Life Insurance:
- Coverage: $2,000 to $20,000.
- For ages 45 to 80.
- No denials based on health issues.
Pricing and Customization
- Rates are generally transparent, averaging around $15 per month, though they may vary based on individual factors.
- Policies can be customized, allowing customers to select coverage amounts and terms that best suit their needs.
- The availability and cost of additional coverage options depend on the specific policy and the partner insurer.
Additional Considerations:Additional Considerations
- the policy term or is for a lifetime
- The contract duration matches in the case of whole life insurance.
- A home inspection is not required to obtain a plan.
How to Get Life Insurance Through EveryDay Life
The first step to applying for life insurance with EveryDay Life is to open their homepage and click the “See your offers” link in the top right corner. You can also view the plans they offer on the “Our Plans” page.
Step 1
See your offers
Step 2
Get a recommendation / You already know what to choose
Step 3
Term / Permanent
- The first step to applying for life insurance with EveryDay Life is to open their homepage and click the “See your offers” link in the top right corner. You can also view the plans they offer on the “Our Plans” page.
- Next, you will arrive at a welcome page where you can receive a plan recommendation or directly select the option you need.
- If you know what type of insurance coverage you are looking for, the next page will allow you to choose between term insurance (for a specific period) and permanent/whole life insurance. You can ask for help at any time—either by calling us or using our AI-powered chatbot—to receive assistance.
- After selecting term or permanent/whole life insurance, you will be directed to a screen to enter key information. You will need to provide your zip code, as well as details regarding your health, income, and legal status.
- Once this process is complete, you will be guided to a recommendations page featuring the options we believe are best suited for you. You can also adjust the coverage and price, save your plan to return to it later, or apply immediately if you are ready to purchase.
How Do I Apply For A Policy?
The “Everyday Life” application process consists of three parts, all of which can be completed online. It requires less paperwork than traditional insurers and does not require a medical exam. In fact, you can receive an approval decision in less than 15 minutes. Start here >>>
1. Fill Out A Questionnaire
The “Everyday” questionnaire does not ask for sensitive personal information, but it will ask about your family, dependents, income, place of residence, and date of birth, as well as other basic details. You can enter all the information and start comparing policy options in less than two minutes.
2. Review Suggested Plans
Based on the information you provide, various plans may be recommended. All plans will be personalized to your profile (you can also update your initial profile at any time). The payout amounts for your dependents and the monthly premiums will also be displayed.
3. Choose And Adjust Your Plan
You will see the monthly premium change in real-time as you make adjustments. Once you are satisfied with the settings, you will complete the application with one of Everyday’s partner insurance companies (Legal & General or Fidelity Life).
During this stage, you can ask the insurer any questions you may have. In rare cases, a medical examination may be required. This final step should take less than 10 minutes. Start the Everyday Life application process here.
