How it works: our quick, easy application
Apply for life insurance online in just a few minutes with Minalife' simple application. No medical exams are required. Just answer a few health questions — many customers enjoy same-day coverage!
How it works: our quick, easy application
Apply for life insurance online in just a few minutes with Minalife' simple application. No medical exams are required. Just answer a few health questions — many customers enjoy same-day coverage!
Get a quote
To get a life insurance quote online, simply answer a few questions about yourself and see estimated costs for various policy options.
Apply in minutes
Our secure, online application is fast and straightforward—you can complete the process in about 10 minutes.
Get coverage
Once you submit your application, we'll process it quickly (often instantly) and let you know about your coverage eligibility and rates. If approved, you can activate your coverage immediately.
Minalife takes the guesswork out of the application process. Answer a few basic questions and see which products offer the best fit for your coverage needs.
How do you determine what policy is best for me?
We start with your age. If you're between 66 and 85, you qualify for our guaranteed-issue whole life policy and are automatically approved.
Applicants ages 20 to 65 are eligible for our term policies.Using the information on your application as well as our proprietary technology and smart underwriting, we can offer a range of coverage options.
Who can apply?
All U.S. citizens ages 20 to 85 can apply. Minalife is licensed and operates in the District of Columbia and every U.S. state except New York.
What information do I need?
To ensure your application goes quickly and smoothly, have the following information handy:
Why do we need this information?
We need this information for instant coverage and to verify your identity in real-time. Medical history and prescription details help assess your health without a medical exam, ensuring confidentiality.
What if I change my mind during or after my application?
You can withdraw from the application process at any time without penalty. After issuance, you have a 30-day period to cancel coverage and receive a refund if needed.
Depending on which of our products you qualify for, the application process will vary.
Applicants between 66 and 85 are eligible for ourguaranteed issue whole lifepolicy and can get approved after answering a few simple questions.
Term policiesrequire additional questions, but applications can still be completed in minutes. In general, you can expect questions related to:
See a range of personalized price estimates in seconds.
Your beneficiaries can easily file a claim and receive a cash payout. If you pass away while your coverage is in force, your beneficiary files a claim with your insurance carrier. The carrier will then issue the death benefit payout.
Under normal circumstances, beneficiaries receive a tax-free lump-sum payment equal to the policy's value (death benefit). For a $250,000 coverage, the payout remains tax-free at $250,000, though certain factors may cause slight adjustments. Refer to policy documents for further information, such as graded death benefits or policy loans.
Exclusions
Claim denials may occur due to fraud, misstatements, or suicide within the first two years of the policy, emphasizing the importance of honesty during application. State-specific details available in the policy or upon request.
Life Insurance 101
How does life insurance work? How much coverage will I need? Find these answers (and more) in one place.
Minalife's life insurance can help cover a variety of expenses, including mortgage payments, debt, college tuition, and lost income. Ultimately, it's up to your beneficiaries to decide how to use the payout.
No, Minalife's life insurance does cover deaths related to COVID-19, and the pandemic does not impact our rates. You can still apply for life insurance online with Minalife and be considered covered as soon as your first premium payment is made.
Employer-sponsored policies typically offer coverage that is a fraction of what financial experts recommend. Minalife offers individual term policies to supplement your coverage through work and help ensure your family is fully protected.
Calculating the right amount of coverage can be tricky, but Minalife offers a helpful life insurance calculator to determine your coverage needs. A common rule of thumb is to multiply your annual income by 10.
Minalife offers both term life insurance and guaranteed issue whole life insurance, with term lengths ranging from 10 to 30 years and coverage amounts from $20,000 to $2 million, depending on your qualifications.
Minalife's policies are backed by industry giants with a long history of financial strength and stability. You can trust that your policy will withstand the test of time, while enjoying the simplicity and ease of use of a modern tech company.
Yes, Minalife's application is non-binding and 100% free, with no impact on your credit score. Each policy comes with a 30-day free look period and a money-back guarantee. You can cancel your policy at any time, with no fees or penalties.
Legal
Terms of Use© 2023 Minalife Technologies Inc. Minalife operates in some states as Minalife Life Insurance Services. CA license #0L28949; AR license #100164629. Minalife offers policies issued by the carriers listed at www.Minalife.com/carriers.Products and their features may not be available in all states. To help avoid requiring a medical exam, our application asks certain health and lifestyle questions.
© 2023 Minalife Technologies Inc. Minalife operates in some states as Minalife Life Insurance Services. CA license #0L28949; AR license #100164629. Minalife offers policies issued by the carriers listed at www.Minalife.com/carriers.Products and their features may not be available in all states. To help avoid requiring a medical exam, our application asks certain health and lifestyle questions.
