Question 1

How do I get a life insurance quote?

Accepted Answer

Click "Get My Price" on any page and answer a few quick questions. You'll receive personalized quotes from top carriers in under 2 minutes, with no medical exam required for most applicants.

Question 2

How long does it take to get covered?

Accepted Answer

For most no-exam policies, you can have coverage active the same day you apply. Traditional fully-underwritten policies typically take 2–4 weeks.

Question 3

Can I change or cancel my policy?

Accepted Answer

Yes. Most policies include a free-look period of 10–30 days after issuance. To make changes or cancel, contact our support team or log into your account.

Question 4

How do I update my beneficiary?

Accepted Answer

Log into your account at any time and navigate to Policy Details > Beneficiaries. You can update beneficiaries free of charge at any time.

Question 5

What happens if I miss a payment?

Accepted Answer

Most policies include a 30-day grace period. If payment is not received within the grace period, the policy may lapse.

Question 6

Is my personal and financial information secure?

Accepted Answer

Yes. We use 256-bit SSL encryption, SOC 2 Type II certified infrastructure, and never sell your personal information to third parties.

Question 7

How do I file a claim?

Accepted Answer

You can file a claim online using our claim form, by calling our claims line at 1-800-555-0199, or by emailing claims@lifeplans.direct. We aim to process all claims within 30 days.

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Common questions