Top Life Insurance Company That Sells Only Through Online Apps in 2022
It can be hard to find life insurance companies that sell only through online apps, but insurance companies that sell online, by phone, and in person are more common. Companies that only sell life insurance through online apps include Haven Life, Bestow, and Fabric. They offer fast quotes and application processes. Some online-only life insurance companies offer various types of cheap coverage or coverage with no medical exams.
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UPDATED: Jun 30, 2022
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- Most life insurance companies sell online, but not many only sell online
- Online life insurance companies may offer cheaper rates
- Young people that are healthy should consider shopping online for life insurance
We are all very used to going online for everything we need, and life insurance is not an exception. The best life insurance companies out there offer multiple ways to buy coverage.
However, there are a handful of life insurance companies that sell only through online apps. These companies generally can offer cheaper coverage or allow medical exams to be skipped.
Shop around for affordable life insurance companies that sell only through online apps. Compare rates and coverages from multiple companies to get the best deal for you.
Enter your ZIP code now to compare free quotes from life insurance companies that sell only through online apps near you today.
What life insurance companies only sell through online apps?
Life insurance companies want to make it as easy as possible to buy coverage. Almost all companies allow you to buy life insurance online these days.
For example, you can buy USAA life insurance or Allstate life insurance online, over the phone, or in person.
However, life insurance companies that only sell online are much more uncommon.
The top online life insurance companies are:
- Haven Life
These companies are considered instant life insurance companies, meaning you can apply and get accepted within minutes.
The majority of these companies offer low-cost term life insurance with no medical exam, but some companies offer other insurance products as well.
For example, the Prudential life insurance that is offered online is only term insurance with low coverage. However, Prudential also offers a wide variety of services that aren’t offered exclusively online.
Comparing life insurance quotes online is quick and easy, whether the company only offers coverage online or through other means.
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Who should consider getting life insurance online?
People look for life insurance online because it’s easy and generally a much faster process than going through an agent.
If you are under 50 years old and in good health, you may qualify quickly for life insurance without a medical exam.
Make sure to be completely honest with your online life insurance application.
Omitting or lying about your medical conditions is considered insurance fraud and can cause your application or benefits to be denied according to the Insurance Information Institute.
Looking for life insurance online is also a good option for people who already know what type of coverage they want and how much life insurance they need.
For example, term life insurance is the cheapest option and can be used to cover financial obligations for your family, such as a mortgage.
However, term coverage only lasts a certain amount of time, and then the policy expires.
Whole life, on the other hand, is more expensive and lasts as long as you make your payments. There is sometimes a cash value with whole life policies that offers income opportunities.
Online life insurance applications are very straightforward, but won’t accommodate everyone. If you apply online and are denied coverage, it’s best to speak with a company directly.
Life Insurance Companies that Only Sell Through Online Apps: The Bottom Line
Life insurance companies that don’t sell only through online apps offer buyers other ways to get a quote.
People who are young and healthy may find that using a life insurance company that only sells online will be faster and easier than going through a traditional company.
No matter how you choose to buy life insurance, be sure to shop around to find the best coverage with the lowest rates for you.
Enter your ZIP code now to compare rates from life insurance companies that sell only through online apps for free.
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