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LeapLife, powered by Even Financial, has the best end-to-end multi carrier all-digital online life insurance flow in the industry. Sounds impressive, but what does that really mean for you as a consumer? It means you can rest assured knowing you found the best life insurance policy to fit your personal health and lifestyle history at the best possible price- without having to spend hours researching. How is that possible? There are a few key components that go into making this statement a reality.
First, LeapLife only works with life insurance carriers that are A- or better rated with AM Best for their financial strength. This means you will only find long-established carriers that have deep assets on our platform, so you know that they will be there to pay a benefit to your beneficiaries if something were to happen to you in the future. Not only are these the largest and strongest life insurance carriers in the country, but they also have the lowest prices. Sound too good to be true? It isn’t. The larger a life insurance company is, the higher their risk tolerance is. Thus, they are able to take on risk (writing you a policy) at a lower price than a lesser-rated company with lower assets.
Second, LeapLife uses a recommendation engine to match you with the right life insurance carrier for your personal health and financial history. Every life insurance carrier has their own underwriting guide that they follow to determine the price you pay for your policy, and each carrier can possibly view the same health condition differently. There is no negotiating pricing for life insurance, it is a heavily regulated industry and the carriers are required to report their pricing and guidelines to the Department of Insurance in order to sell their policies to consumers. The best part about LeapLife’s platform is that by answering a few questions we do that matching for you in less than 60 seconds. Your age, build, gender, tobacco history, medical conditions, prescriptions, and financial history all make up the pieces of information a life insurance carrier uses to assess and determine your insurability. We eliminate the guesswork and find the right fit for you, and present you with personalized life insurance policy quotes quickly and easily.
Third, if you find a quote you want to proceed with, applying is a breeze! It takes most people 10-15 minutes to finish. Depending on your health and the coverage amount chosen, you will be presented with an online application path or phone application path. Both paths have multiple life insurance carriers and options to choose from. Since life insurance is indeed something you have to qualify for, some people will walk away with a policy in their hands instantly and others will need a more traditional approval path that can take a few weeks to complete. No matter the path that is right for you, the LeapLife team will be with you every step of the way keeping you advised of the status of your approval and anything that is needed.
These three components truly set LeapLife apart from the competition. The other digital end-to-end options available to consumers online today are only offering one product from one life insurance carrier. They are shoving you into one set of underwriting guidelines that may or may not fit your personal history, and this can result in a higher chance of being declined or possibly paying a higher price if you are indeed approved. There are also many places online where you can compare the prices of top-rated life insurance carriers, but no matter which carrier you choose—you’ll end up on the phone with an agent to apply, and aren’t offered a digital application option even if you qualify for it. Speed, convenience, personalized service, and peace of mind are all part of the value that LeapLife provides. Get a quote today and let us show you the LeapLife difference. We know life insurance isn’t fun, that’s why we made it easy and tailored just for you.
Disclaimer: The material provided on this site is not intended to provide legal, investment, or financial advice or to indicate the suitability of any Even Financial product or service to your unique circumstances. For specific advice about your unique circumstances, you may wish to consult a qualified professional. Any information or statistical data sourced by Even Financial through hyperlinks, from third-party websites, are provided for informational purposes only. While Even Financial finds these sources to be accurate, it does not endorse or guarantee any third-party content.
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