We represent over 60 life insurance companies and in this short article, we'll will show you the 2 fastest ways to secure life insurance. You can have a policy in force within 20 minutes with no agent involvement if you're healthy!
We'll also provide the tools to receive instant quotes so you can compare them online.
We speak with people every day who need to secure life insurance coverage fast. Whether you need it to secure a loan, want to make sure you're protected before you go on vacation or just feel the need to get the process done quickly - we can help.
Before you make your final life insurance purchase decision though, we recommend looking into some other company reviews as well, such as our reviews on Zander Insurance, Primerica Life Insurance and United Home.
We're an independent life insurance agency and can recommend any company on the market. With that said, here are the 2 best choices for fast life insurance:
National Life Group's 1clickcoverage - Get a decision within minutes!
That's right, National Life Group's "1clickcoverage" will give you a decision on your application within minutes. You can complete the application from the comfort of your home without the help of an agent (but we're here if you have any questions). Alternatively we can complete the application over the phone with you.
You can apply for up to $350,000 of coverage at 10, 15 and 20 year term levels. National Life Group is an AM Best "A" rated carrier - so they are very strong financially.
You need to be in decent health to qualify for this policy. Here are some common medical conditions they will take:
Type 2 diabetes (no insulin)
MINOR asthma, anxiety, depression
Controlled Sleep Apnea
Controlled High Blood Pressure and Cholesterol (medications ok)
This fast life insurance policy has 2 health classes you can qualify for - Preferred and Select. If you have any minor health issues (listed above), make sure you choose "Select". Those in great health and on no medications can get "Preferred" rates.
If you have any other health issues, contact us and we'll advise you if you can qualify or not.
Get quotes and apply online for National Life Group's 1clickcoverage here.
Fidelity Life Insurance's Rapid Decision Express - Coverage within 48 hours
With Fidelity Life, you'll get a decision within 48 hours, but usually they make a decision within 24 hours. This application requires the assistance of an agent and must be completed over the phone.
You can apply for up to $250,000 of coverage on 10, 15, 20 and 30 year terms. Fidelity Life has an AM Best rating of "A-" which is still very strong.
They have 1 health classification currently.
Get Quotes for Fidelity Life Insurance here.
Important Information about both National Life Group and Fidelity Life's process
Both companies will pull your Motor Vehicle Report, Pharmacy Report and MIB (Medical Information Bureau) report electronically. Both companies are underwriting your applications based on this information and what you put on the application.
We mention this because not everyone can qualify for this coverage and we don't want to mislead you.
If you're looking to secure life insurance fast, these companies are your 2 best options. If you have any questions, please don't hesitate to contact us.
Other Offered Life Insurance Company Reviews
- Mass Mutual
- Allianz Life
- Phoenix Life
- Protective Life
- Sagicor Life
- SBLI Life
- Gerber Life
- Voya Life
- Banner Life
- Principal Life