What do you need to get a life insurance quote?

To apply for life insurance, you generally need to know: How much coverage you need, considering your current income, debts, and ongoing expenses your family would need to pay for if you pass away Your medical history, as well as basic health info such as your height, weight, and any medications you take The medical histories of your immediate family members Your current income and net worth

What does life insurance cover?

Your beneficiaries can use the death benefit from your life insurance policy for any expenses they have. Some common uses for these funds include paying for funeral services, child tuition, mortgage payments, and other everyday expenses that would be a considerable burden with the loss of your income.

Are there any medical exams required to purchase a life insurance policy?

Insurers typically require a medical exam when buying a traditional life insurance policy. The exam allows them to evaluate your physical health and medical history, determining the overall risk of issuing a life insurance policy to you. However, there are other types of life insurance that don't require a medical exam , called simplified or guaranteed issue life insurance. These may be a good option if you have health conditions that make you ineligible for traditional life insurance.

Do I need life insurance if I already have a policy through my work?

Many employers offer basic group life insurance to their employees, but it may not be enough to fully cover your family. You may also lose your group policy if you leave your company. You can buy your own supplemental life insurance policy to fill any coverage gaps and ensure you always have protection even when changing jobs.

Life Insurance

A $250,000 policy costs as little as $16 per month.^{*Read the associated disclosure for this claim.} Get a life insurance quote today.

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Life insurance rates and coverages are provided and serviced by either an affiliated insurer or non-affiliated third parties. Read more.

What is life insurance?

A life insurance policy allows you to provide a financial safety net for your loved ones in case you pass away. By paying regular premiums, your beneficiaries can receive a designated sum, known as a death benefit, to be used however they like — for funeral services, paying off outstanding debt, and even everyday expenses.

Providing affordable options for financial protection

We partner with eFinancial to provide you with a range of life insurance options, suitable for any budget or specific coverage need. Whether you need short-term coverage while between jobs, or want to give your family long-term financial security, Progressive Life Insurance by eFinancial has an affordable policy waiting for you.

Why choose Progressive Life Insurance by eFinancial?

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RAPIDecision®

eFinancial's RAPIDecision® Life makes it possible to purchase affordable life insurance quickly with no medical exam.
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4.7 TrustScore

eFinancial boasts a 4.7 TrustScore on Trustpilot based on hundreds of customer reviews.
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Innovator

Fidelity Life & eFinancial have been awarded multiple U.S. patents, including one for their flagship product, RAPIDecision® Life.

We can help you find the right life insurance for you and your financial goals

In some states, we also offer a "flexible term" policy via Progressive Life Insurance Company — it allows you to adjust your coverage amount (up or down) without having to re-apply or get a new policy.^{†Read the associated disclosure for this claim.}

Life insurance is more affordable than you think

According to the 2023 Insurance Barometer Study, over half of survey respondents guessed that a 20-year, $250,000 term life insurance policy for a healthy 30-year-old would cost $500 per year or more. But the average cost is actually much lower — under $200 per year.

Generally, the younger and healthier you are, the more affordable your life insurance can be — starting at just $16 per month through eFinancial.^{*Read the associated disclosure for this claim.} Coverage options begin at $5,000 and go up to $2 million or more through eFinancial. Through Progressive Life Insurance Company, coverage options range from $50,000 to $1 million.

Learn more about how much life insurance costs.

How much life insurance do I need?

It depends on your unique financial situation. Use our life insurance calculator to get a better picture of how much life insurance you need.

Common questions about life insurance

To apply for life insurance, you generally need to know:
- How much coverage you need, considering your current income, debts, and ongoing expenses your family would need to pay for if you pass away
- Your medical history, as well as basic health info such as your height, weight, and any medications you take
- The medical histories of your immediate family members
- Your current income and net worth
Your beneficiaries can use the death benefit from your life insurance policy for any expenses they have. Some common uses for these funds include paying for funeral services, child tuition, mortgage payments, and other everyday expenses that would be a considerable burden with the loss of your income.
Others may use their life insurance to leave an inheritance for their children and to settle any debt their estate holds once they pass away.
Insurers typically require a medical exam when buying a traditional life insurance policy. The exam allows them to evaluate your physical health and medical history, determining the overall risk of issuing a life insurance policy to you.
However, there are other types of life insurance that don't require a medical exam, called simplified or guaranteed issue life insurance. These may be a good option if you have health conditions that make you ineligible for traditional life insurance.
eFinancial works with highly rated life insurance companies to help bring you competitive rates and a variety of simplified life insurance options, such as RAPIDecision® Life — giving you the possibility to purchase life insurance with no exam. Progressive Life Insurance Company also offers term life policies that don't require a medical exam.