Instant Issue Life Insurance

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Gerber life insurance

Best Instant Term Life Insurance Companies

Applications are completely online, and you receive an underwriting decision instantly.

  • Length: 5, 10, 15, 20, 25, and 30-year terms
  • Eligible ages: 18 – 64 years old.
  • Coverage: $25,000 – $3,000,000.
Ethos Life InsuranceFor people in all health conditions under age 64.★★★★★
Ethos Life Review
Haven LifeGood for those in excellent and average health.★★★★★
Haven Life Review
LadderThose wanting over 1 million in coverage★★★★☆
Ladder Life Review
Fabric by GerberThose under 50 years old in good to average health.★★★★☆
Fabric Life Review
BestowFor those under 45 years of age in good health.★★★★★
Bestow Life Review
TruStageBest for people in poor health.★★★☆☆
TruStage Review

Best Instant Whole Life Insurance Companies

Applications are completely online, and you receive an underwriting decision instantly.

  • Length: Permanent coverage.
  • Eligible ages: 45 – 80 years old.
  • Coverage amounts: $2,500 – $30,000.
Gerber LifeNo health questions
Coverage up to 25K
2 year waiting period.
Gerber Life Review
TruStagePolicies with and without health questions.
Coverage up to 10k.
Policies with and without a 2-year waiting period.
TruStage Review

The 2 Types of Instant Life Insurance Coverage

Instant Issue Term Life Insurance

Instant issue term life insurance is best suited for people in:

  • Good health between ages 18 and 60.
  • For young and healthy individuals.

Note: Rates for instant issue coverage can sometimes be less expensive than a fully underwritten policy. Most instant-issue term policies are less expensive than fully underwritten policies from companies like New York Life, Prudential, or StateFarm.

  • Term lengths are 5, 10, 15, 20, and 30 years.
  • Coverage ranges from $25,000 to $3,000,000.

Although there’s no medical exam involved, there are still medical questions, and your medical histories are pulled from public records.

Instant Issue Whole Life Insurance

Instant whole life insurance is for those:

  • Aged 50 – 75 years
  • In average to poor health.
  • Coverage amount range from $2,500 to $40,000.

There are two different types:

guaranteed issue life insurance policy:

A final expense life insurance policy:

  • Has medical questions.
  • It is often approved on the same day.
  • Has an immediate full benefit with no waiting period.
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How Instant Issue Life Insurance Is Different

No medical exam

Instant issue life insurance does not require a medical exam and provides immediate coverage. That means no needles, no bloodwork, and no urine samples. Instead, underwriting pulls your public records, such as financial and pharmacy records. Aside from these, you’ll be asked to answer a few simple health questions.

No waiting period

Instant term life insurance has no medical exam and no waiting period. When your application is submitted, an application is made in minutes or seconds, depending on the company. With instant issue life insurance, you are buying life insurance online instantly.

This makes instant issue life insurance extremely convenient for these specific cases:

Cost difference

Instant issue term life insurance has been around for years, but it’s always been 10% to 35% more expensive than term life insurance with a medical exam. However, we have recently added products that offer the same pricing. The decrease in cost is a main reason for the rising popularity of instant life insurance. According to our life insurance study, over 75% of respondents think the price is more important than convenience when buying life insurance.

To illustrate just how small the gap is between instant issue and regular term life insurance, we’ve created the following sample rates.


The following rates are based on a 30-year-old non-smoker male in good health.

CoverageInstant issue termRegular term

How Much Does Instant Issue Life Insurance Cost?

Average instant issue rates for men

The following average instant life insurance quotes were calculated for a healthy man, average size and build, and non-smoker.

Average instant issue rates for men

25 $8.13
35 $9.38
40 $10.96

Average instant issue rates for women

The following average rates were calculated for a healthy woman, average size and build, non-smoker.

Average instant issue rates for women

Age $50,000 $150,000 $250,000 $400,000
25$7.38 $9.88 $11.25 $16.00
30$7.92 $10.75 $12.71 $18.33
35 $8.63 $11.75 $14.58 $21.33
40 $9.83 $14.50 $18.96 $28.33
45$11.63 $19.25 $26.46 $40.33
50$29.80 $77.14 $124.48 $195.48
55$43.15 $117.17 $191.20 $302.23
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