Real quotes, 11 carriers,
same coverage.
Sample for a 35-year-old non-smoker in PA, $500K death benefit, 20-year level term. Pulled from carrier APIs April 28, 2026. Health rating shown.
| Carrier | Monthly | Health class | No-exam? | Issue speed |
|---|---|---|---|---|
| Banner Life | $18.40 | Preferred Plus | Yes | 72 hours |
| Pacific Life | $19.10 | Preferred Plus | No | 4–6 weeks |
| Protective | $19.85 | Preferred Plus | Yes | 5 days |
| Lincoln Financial | $20.30 | Preferred | No | 3–4 weeks |
| Prudential | $21.65 | Preferred | Yes (≤$1M) | 72 hours |
| Mutual of Omaha | $22.40 | Preferred Plus | Yes | 5 days |
| Symetra | $23.95 | Preferred Plus | No | 4 weeks |
| AIG / Corebridge | $24.60 | Preferred | Yes | 72 hours |
Three more carriers run in the full quote PDF. Quotes are illustrative and subject to underwriting; final rate is determined by your medical questionnaire and (when applicable) lab results.
From application to policy
in nine days.
Quote run
One application — we send to all 11 carriers. We highlight the three best fits.
Day 1Application
20-minute phone call covering health, finances, and beneficiary structure.
Day 2Underwriting
Medical exam (if any), MVR pull, MIB check. We chase the carrier.
Day 3–7Policy issue
You sign electronically. First premium drafts. Coverage starts.
Day 8–9