Generally, life insurance companies take a long time to approve customers for life insurance coverage. This is common with most traditional life insurance companies. While we have this, some insurance companies offer instant life insurance. The best instant life insurance companies of 2025 provide convenient insurance application approval and no required medical exams.
Instant life insurance ensures customers can get fast life insurance without doing too much. Most instant life insurance companies are online insurers. Using a few factors like your age, policy type, gender, etc., instant life insurance companies determine insurance premiums and costs without taking any medical exam. While there are quite a few life insurance companies, only a few offer instant insurance.
The best way to find the best instant life insurance company is by comparing the rates, premium costs, and quotes of different insurance companies. However, in this write-up, the best instant life insurance companies you can select from are stated to help your search.
Best Instant Life Insurance Companies of 2025
Different life insurance companies offer instant life insurance. As previously stated, most of these instant life insurance companies are online insurers. The following are some of the best life insurance companies of 2025 you should consider:
Symetra
This instant life insurance company offers huge insurance rates, higher coverage amounts, as well as the ability to reduce coverage amounts over the years. In cases where you do not qualify for Symetra instant insurance, you can apply for their SwiftTerm policy, which also has a quick application approval process, or their traditional application process, which requires a medical exam.
Ladder
Ladder offers high insurance coverage amounts of up to $3 million for customers who qualify for its instant life insurance approval process. While we have this, Ladder offers $8 million insurance coverage amounts for customers willing to take medical insurance coverage for instant life insurance. Irrespective of which you choose, this life insurance company ensures all its customers get a good insurance experience.
Wish
This instant life insurance company offers customizable insurance policy lengths that increase up to 47 years depending on the age of the policyholder. For instance, if you purchase a policy at age 30, your policy length will last until you are 65. However, this instant life insurance offers competitive rates for customers in their 30s. It also offers short insurance policies beginning at 2 years.
Fabric by Gerber Life
Until a policyholder turns 70 which is the highest age for instant life insurance approved by all instant life insurance companies, they can purchase instant life insurance policies from Fabric. Depending on your age, the level of term insurance loans is available. Aside from all of these, this insurer offers competitive rates, making it a good option to consider.
Lemonade
This life insurance company sells instant term life insurance along with different insurance policies online with no medical exam required. This insurer allows policyholders to purchase life insurance and get it approved and active on the same day. Lemonade offers a wide range of insurance policy lengths and approves applications the same day of approval.
Lincoln Financial
Lincoln Financial allows policyholders to customize their policies with three different riders, which is uncommon with most life insurance policies. However, this instant life insurance company has little to no complaints from its customers concerning its insurance policies and lengths.
FAQs:
Can I Get Life Insurance Immediately After Application?
Life insurance can be gotten immediately after application from instant life insurance companies. As long as you are eligible, you can easily purchase life insurance coverage and get it immediately.
Can I Apply for Instant Life Insurance If I’m a Smoker?
Yes, smokers can apply for instant life insurance. However, while health status is a key factor considered by life insurance companies, health issues related to smoking may make them not qualify for this insurance.
Smokers should work with an experienced life insurance agent to aid approval for life insurance. These agents can identify the best instant life insurance company that may likely approve life insurance for smokers.
What is the age restriction for instant life insurance?
When searching for the best instant life insurance company, you will surely stumble upon different age limits for application. Generally, the age limit for instant life insurance is 60, but every insurance company. However, you need to check with your preferred instant life insurance company to see their age limit.
