Life Insurance

Why have Life insurance

Life happens when you least expect it. When it does, it’s important to be prepared. A life insurance policy can help prepare you today for the unexpected, and ensure your family will have the financial support they need.

Life insurance is a contract between policyholders and an insurance company that promises upon the policyholder’s death, the insurer pays a designated beneficiary an agreed upon sum for a premium. After your death, life insurance can help your family continue to pay the mortgage, pay off debts, leave a college fund, or replace your income.

Get Life Insurance Fast

Getting life insurance doesn’t need to be complicated. InsureOnline.com partner, Encova Insurance, provides real-time, 20-minute life insurance without blood draw or medical exams. A super-regional carrier ranked in the top 20 mutual insurance companies in the United States, Encova is a one-stop shop for your life insurance needs, encircling policyholders with coverage at every step in life’s journey. Encova’s Real-Time Term life insurance may be the perfect product for busy individuals who want coverage without the wait.

Why Real-Time Term?

  • Coverage of $25,000 to $500,000
  • No blood draw or medical tests required
  • Immediate notification if approved
  • The ability to have a face to face conversation with a real, live life specialist if desired
  • Online application with 12 questions

Real-Time Term has coverage options ideal for any phase of your life

  • 5-and 10-year coverage for ages 16-70
  • 20-year coverage for ages 16-65
  • 30-year coverage for ages 16-50

Real-Time Term has coverage options ideal for any phase of your life

  • 5-and 10-year coverage for ages 16-70
  • 20-year coverage for ages 16-65
  • 30-year coverage for ages 16-50