Instant Issue Life up to $1 Million

Up to $1M in coverage with instant underwriting for qualified applicants.

Overview

What it is, in plain English

Instant issue uses real-time data and accelerated underwriting to approve qualified, healthy applicants for up to $1,000,000 in coverage — often without an exam and sometimes within minutes. Serious protection, minimal friction.

Is it right for you?

Instant Issue Life up to $1 Million tends to fit people who…

Are healthy and want high coverage fast
Need up to $1M in protection
Don't want to wait weeks for underwriting
Prefer a streamlined application

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Up to $1M

High coverage for qualified applicants.

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Accelerated underwriting

Real-time data replaces slow paperwork.

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Often no exam

Many qualified applicants skip the physical entirely.

Good to know

Common questions

Who qualifies for instant issue?

Generally healthy applicants within certain age and coverage bands. The system checks real-time data to make a fast decision.

Is it really instant?

For many qualified applicants, yes — a decision in minutes. Some applications route to a short review.

What if I don't qualify instantly?

You can still get covered through standard underwriting — we'll guide you to the best path.

Ready to find the right coverage?

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