Protect your family's future — without the hassle.
Most applicants qualify for coverage in minutes, with no medical exam and no lab work. See if you qualify and apply directly online.
Most people overestimate what life insurance costs.
LIMRA & Life Happens, 2026 Insurance Barometer Study.
Free · Takes about two minutes · Nothing shared with your employer
Your guess
~$100/mo
or ~$1,200 per year
What it actually costs
~$12/mo
or ~$147 per year
Median figures for $250,000 of 20-year term coverage, healthy adult under 31. Banner Horizon, 2026
Choosing a coverage amount
Figuring out your coverage needs is easy as 1-2-3.
Recommended coverage
$--
About 10× your income ($0), plus debts ($0), minus savings ($0).
Estimate only — not a quote or offer of coverage. Your actual needs may vary.
Choosing a term length
How long should your coverage last?
Usually, until the people you love no longer rely on your paycheck.
A good fit for you
30 years
60 − 32 = 28 years, rounded up to the next available term
Why apply through Essential Life
You’re backed by a licensed, independent brokerage — not a call center. If a question comes up while you’re applying, a real person is behind this page.
- No pressure, no obligation
- Licensed guidance
- Transparent process
How it works
No calls, no back-and-forth.
Get your quote
Answer a few basic questions.
Answer health questions
Most applicants skip the medical exam entirely — and pay the same rate either way.
Get your decision
Submit your application instantly online — decisions often in minutes.
“I'd been putting this off for three years because I dreaded the sales call. This was nothing like that. I finally understand what I have.”
Common questions
Do I need a medical exam to apply?
Most applicants don't. If your health class qualifies as Standard non-tobacco or better and you're 60 or under, you can typically complete the application without a medical exam or lab work.
How long does it take to get a decision?
Many applicants get a decision in minutes. In some cases it can take up to 24–48 hours.
Is there a cost to apply?
No. Applying doesn't cost anything. Your actual premium and coverage are determined through underwriting and aren't guaranteed until a policy is issued.
Do I pay more for the faster, no-exam process?
No — applicants who qualify for the accelerated process pay the same rate as applicants who go through a full medical exam. It's not a convenience surcharge.
Can I get help if I have questions while applying?
Yes. This page is presented by a licensed independent insurance brokerage, not an automated funnel — you can reach a real person if you need help.