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Equote teaches you the secrets of Life Insurance, so you get the right plan

Over 60 years old? Your life insurance price will increase 10% every 6 months you wait to start coverage. With equote, getting covered only takes 5 minutes. Ever wonder why certain types of policies are pushed so hard? You won’t once you learn about them!

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It isn’t just about you leaving a LEGACY, it’s also about your FAMILY

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02 Health

03 Coverage Amount

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Simplified issue vs. fully underwritten

EquoteLife offers term life insurance policies with both simplified issue and fully underwritten options. Understand the differences and what it means for you.

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Simplified issue:

Most of our term policies are simplified issue, meaning the application process and underwriting decision come instantly based solely on third-party data and the applicant's responses to health questions within the application. No medical exam is necessary.

Simplified issue underwriting may be right for you if:

  • You need life insurance, but you aren’t sure you’d qualify for a traditionally underwritten policy
  • You want a simple process without medical exams or lab tests
  • You thought you couldn’t get life insurance because of your age or health

Fully underwritten:

We also offer fully underwritten term policies, a more traditional method that historically includes a complete application and medical exam. EquoteLife modernizes the process and doesn't require a medical exam but does include health questions within the application to help determine premium levels. 

Fully underwritten policies may be right for you if:

  • You’re in good health
  • You’re looking for life insurance with a higher death benefit
  • You don’t mind a longer application process

Why purchase with

Fast process (no medical exams)

Our 100% online and hassle-free process makes it easy to apply. What traditionally took weeks can now be done in minutes, and you don't even need a medical exam (just answer a few health questions). There are some instances when underwriters need more information about your health to complete the application process.

Expert advice

You don't have to talk to an agent if you don't want to, but if you do, our licensed agents remain ready and eager to answer your questions. They're here to help you find the right life insurance policy for you.

Flexible coverage

Get anywhere from $20,000 to $2 million in term life insurance protection. Choose between 10-, 15-, 20-, and 30-year terms.

Free-look, money-back guarantee

Take your policy for a trial run with a 30-day money-back guarantee. If you're not fully satisfied in the first 30 days, we'll refund you in full. After that time, you can cancel your policy with no cancellation fees.

How to expedite your application

When you apply, answer each question with as much detail and accuracy as possible, and be sure to have the following information handy

If you’re asked to answer any follow-up questions, be sure to take care of these requests as soon as possible.

The policy issue process can be delayed until these steps get completed.

  • 1

    Driver’s license

  • 2

    Bank account details (for premium payments)

  • 3

    Social security number

  • 4

    Prescription information

  • 5

    Personal and family medical history

  • 6

    Beneficiary Information

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