: Some term life insurance products offer up to $2 million in coverage without a medical exam, allowing for near-immediate approval.

: After selecting a carrier, a licensed agent typically contacts you to review the application and ensure the policy fits your health and lifestyle profile. Planning and Wellness Tools

: Policies that may qualify for an instant decision and coverage in as little as 10 minutes. The Instant Quote Process

The "instant" aspect of the service refers to the initial quote generation and, for certain policies, the application decision:

: Specialized coverage for senior and end-of-life expenses.