Your coverage number,
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Most financial planners recommend coverage of $950,000 — about 10× your annual income.
Estimated Monthly Premium
20-Year Term— less than a single car payment
Coverage
$750,000
Term
20 Years
Rate Lock
Guaranteed
No credit card. No medical exam. Rates locked for 30 days.
94,200+
Policies Issued
Since 2018
< 24hrs
Avg. Approval Time
For standard applications
99.4%
Claim Payout Rate
Verified 2019–2025
$0
Rate Increases
Guaranteed for policy term
Your rate is locked.
Contractually. Forever.
The premium you see today is the premium you pay on day 7,300. No annual adjustments, no tier reviews, no exceptions. It's written into the policy on page one.
Rate Lock Guarantee
Legally binding — Policy Section 4.2
$0
Rate increases in 7 years
100%
Of policies honored at locked rate
Monthly Premium Over Time
20-Year Policy Term
Source: Underwrite policy data 2018–2025. Past guarantees do not imply future results.
No needle.
No waiting room.
No delay.
Traditional underwriting takes 6–8 weeks and requires a paramedical exam. Ours takes 8 minutes online and activates by tomorrow morning.
Approval Timeline
Complete the Online Application
8 minutes12 health questions. No blood draw, no physician visit, no waiting room.
Instant Algorithmic Review
< 60 secondsOur underwriting model cross-references MIB, Rx databases, and MVR records automatically.
Policy Issued & Active
< 24 hoursYour coverage begins the moment you receive the confirmation email. No waiting period.
Coverage activates at 12:01 AM on the day after application approval.
$750,000 is not
an abstract number.
Here's exactly what that benefit covers for a mid-career household in the event it's needed. Every line item is auditable.
$750K Benefit Allocation
100% Allocated
Benefit Total
$750,000
Paid as a single, tax-free lump sum to your named beneficiary.
Line Item
Amount
Mortgage Payments
24 months × $3,100/mo
24 months$74,400
9.9%
University Tuition × 2
4 years × $18,500/yr × 2 children
4 years$148,000
19.7%
Household Income
18 months × $7,917/mo
18 months$142,500
19.0%
Emergency Reserve
Liquid savings buffer
$85,000
11.3%
Estate & Final Expenses
Probate, legal, funeral
$45,000
6.0%
Remaining Investment
Long-term family wealth
$255,100
34.0%
Total Benefit
Tax-free lump sum payout
$750,000
* Illustrative allocation based on median US household costs, 2025. Actual allocation determined by beneficiary.