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EveryDay Life Reviews

9.6

bestfor-icon Personalized, no-exam life insurance

mattlevy
Written by Matthew Levy

About EveryDay Life | Read More

9.5

LS Score

10

Credibility

10

Support

9

Accessibility

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Sun - Sat 24/7
Contact Information Contact Information drop-down-btn
  • info@everydaylifeinsurance.com
  • (888) 681-3811
  • 695 Atlantic Avenue, 9th Floor, Boston, MA 02111
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EveryDay Life Life Insurance Review

Everyday Life Insurance offers a dynamic approach to life insurance, embracing technology to tailor policies to individual needs. They specialize in providing term life insurance options with flexible terms and coverage limits. Their unique Predictive Protection model allows for policy adjustments over time, ensuring that coverage remains aligned with life’s changes. This service is ideal for those seeking a modern, adaptable approach to life insurance, with the ease of online application and policy management.

EveryDay Life Life Insurance Highlight

$10K-$10M

Coverage Amount

10, 15, 20, 25, 30, 35, or 40-years

Coverage Term

A+

BBB Rating

Required

Medical Exam

Max $15

Service Fees

Yes

Optional Add-Ons

Pros & Cons

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  • con-icon Customizable Policies: Offers personalized life insurance solutions with flexible options like Predictive Protection to adjust coverage as life changes.
  • con-icon No Medical Exam Required: Simplifies the application process by not requiring a medical exam for most policies.
  • con-icon Partnerships with Top-Rated Insurers: Collaborates with financially stable insurance carriers, ensuring reliable and trustworthy policies.
  • con-icon Ease of Application: The online application process is streamlined, with the possibility of quick approval, making it convenient for customers.
  • con-icon Limited Policy Variety: Primarily focuses on term life insurance, with less emphasis on a range of whole life insurance options.
  • con-icon Young Company: Being founded in 2018, it has a shorter track record compared to more established insurance companies.

Exclusions

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  • Self-inflicted injuries
  • Suicide within a certain period after policy issuance,
  • Participation in illegal activities
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Associated Fees

Everyday Life Insurance, as a broker, typically does not charge its own service fees for the life insurance policies it offers. Instead, any fees associated with the policies would be determined by the individual insurance carriers that Everyday Life partners with. These fees can include premiums for the insurance coverage and may vary depending on factors like the policy type, coverage amount, term length, and the policyholder’s age and health.

However, there are no indications of flat service fees or customizable service fees charged by Everyday Life itself. The pricing of the insurance policies is generally transparent, with the main cost being the insurance premium.

Life Insurance Policies and Pricing

Accidental Death Insurance:

  • Coverage ranges from $50,000 to $350,000.
  • Available for ages 18 through 60.
  • No medical exam required.
  • Renewable until age 80.

RAPIDecision® Life (Term Life Insurance):

  • Terms of 10, 15, 20, 25, 30, 35, and 40 years.
  • Coverage between $50,000 and $2 Million.
  • Available for ages 18 to 65.
  • No medical exam required.
  • Option for medical underwriting within the first six months for potentially improved benefits.

RAPIDecision® Simplified Issue Final Expense Whole Life:

  • Coverage from $5,000 to $35,000.
  • Designed for ages 50 through 85.
  • Guaranteed level premiums and face amounts.
  • Cash value accumulation.

RAPIDecision® Guaranteed Issue Graded Benefit Whole Life:

  • Coverage from $5,000 to $25,000.
  • For ages 50 through 85.
  • Guaranteed level premiums.
  • Full coverage starting in year 4.

OPTerm (Term Life Insurance):

  • Terms of 10, 15, 20, 25, 30, 35, and 40 years.
  • Starting at $100,000 coverage with no cap.
  • Available for ages 20 to 75.
  • Renewable and convertible.

SBLI Term Life:

  • Terms of 10, 15, and 20 years.
  • Coverage from $25,000 to $1 Million.
  • For ages 18 to 50 (up to age 55 for certain coverage amounts).
  • No medical exam for policies under $750,000 (for ages 18-6

TruStage™ Term Life Insurance:

  • Coverage ranges from $5,000 to $300,000.
  • Available for ages 18 to 69.
  • Renewable until age 80.
  • Premium rates increase at certain age milestones.

TruStage™ Advantage Whole Life Insurance:

  • Coverage from $5,000 to $100,000.
  • For ages 18 through 85.
  • Rate locked-in upfront.
  • Permanent coverage.

TruStage™ Guaranteed Acceptance Whole Life Insurance:

  • Coverage from $2,000 to $20,000.
  • For ages 45 through 80.
  • No health-based rejections.

Pricing and Customization

  • Pricing is typically transparent and averages around $15 per month, but it can vary based on individual factors.
  • The policies are customizable, and customers can choose coverage amounts and terms that suit their needs.
  • The availability of add-ons and their costs depend on the specific policy and partner insurer.

Additional Considerations

  • Policies are available nationwide.
  • Contract lengths align with the term lengths of the policy or are lifelong for whole life policies.
  • No home inspection is necessary to obtain a plan.

How to Get Life Insurance Through EveryDay Life

First step of applying for EveryDay Life Life Insurance is to open up their homepage and click on the “see your offers” link at the top right. You can also review the plans they offer on the “Our Plans” page.

everyday life insurance how to apply
Step 1

See your offers

everyday life insurance how to apply
Step 2

Get recommendation / Already know your choice

everyday life insurance how to apply
Step 3

Term/ Permanent

everyday life insurance how to apply
Step 4

Personal information

everyday life insurance how to apply
Step 5

Get your plan

  1. First step of applying for EveryDay Life Life Insurance is to open up their homepage and click on the “see your offers” link at the top right. You can also review the plans they offer on the “Our Plans” page.
  2. Next, you will be brought to a welcome page where you can either get their recommendation for a plan, or select what you already want.
  3. If you know what type of insurance coverage you want, the next page will let you select either Term coverage or Permanent / Whole coverage. At any time, you can either select for help, give their phone number a call, or try their AI-assisted bot for help.
  4. After selecting term or permanent/whole, you will be brought to a screen to input some basic information. You’ll have to provide a zip code, health information, income information, and legal information for their system.
  5. Once completed, you will be brought to one of their recommendation pages in terms of what they think will be best for you. You can also change coverage and pricing, save your plan and return anytime, or if you’re ready to buy you can apply right away.

State Availability

- Available in all states

mattlevy
Written by Matthew Levy

Matthew is a freelance financial copywriter with 14+ years in financial services. He holds a Bachelor of Science degree in Economics with business and finance options and is a CFA Charterholder. He is from Vancouver, Canada, but writes from all over the world.

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FAQ’s

How do I apply for life insurance with Everyday Life Insurance?

Applying for life insurance with Everyday Life Insurance is straightforward and convenient. You can complete the entire application process online, offering a hassle-free way to secure life insurance coverage tailored to your needs.

Is a medical exam required for obtaining insurance from Everyday Life Insurance?

Everyday Life Insurance offers life insurance options that do not require a medical exam. This feature makes it easier and quicker for many people to obtain life insurance coverage without the need for medical check-ups or tests.

What types of life insurance policies does Everyday Life Insurance offer?

Everyday Life Insurance provides a variety of life insurance products to suit different needs and preferences. This includes both term life insurance and whole life insurance options, allowing you to choose the type of coverage that best fits your situation.

Customer Support

Interacting with Everyday Life Insurance’s customer support reveals their commitment to responsiveness and helpfulness. They strive for prompt replies to both calls and emails, with human representatives providing personalized assistance. This approach balances efficiency and a personal touch in customer interactions. They also offer a convenient call-back service. While specific response times may vary, their focus on resolving client issues efficiently contributes to positive customer experiences. They also have a bot chat to answer simple questions and direct you to areas of their website, but also a human chat feature should you need it.

Privacy & Security

Everyday Life Insurance is committed to protecting the privacy and security of its customers. While specifics of their security measures are not detailed on their website, they do emphasize the importance of safeguarding personal information. The company operates in a highly regulated industry, subject to oversight by insurance regulatory bodies, ensuring compliance with strict privacy and data protection standards. As a provider of life insurance products, they are not a marketplace and thus are directly responsible for the security and confidentiality of the information they handle. For more details on their privacy and security practices, it’s recommended to review their policies on their website: Everyday Life Insurance.

In Conclusion

Everyday Life Insurance stands out for its focus on tailored and accessible life insurance solutions. Their offerings, including term and whole life insurance, are designed for simplicity and convenience, with an online application process that eliminates the need for medical exams. The 30-day risk-free guarantee adds to their customer-centric approach. While they excel in providing personalized services, potential drawbacks could include limited product variety compared to larger insurers. Overall, Everyday Life Insurance is a solid choice for those seeking straightforward, customizable life insurance options.

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