How it works: our quick, easy application
Apply for life insurance online in just a few minutes with Surevix’s simple application. No medical exams required—just answer a few health questions. Many customers even enjoy same-day coverage!
Get coverage in 3 easy steps:
Get a quote
To receive a life insurance quote online, just answer a few simple questions about yourself and view estimated costs for different policy options.
Apply in minutes
Our secure, online application is quick and easy—you can complete the entire process in about 5 minutes.
Apply Now
Get coverage
After submitting your application, we’ll process it quickly—often instantly—and inform you about your eligibility and rates. If approved, you can activate your coverage right away.
Start application
What to expect when you apply:
Surevix simplifies the application process by eliminating the guesswork. Just answer a few basic questions, and we’ll show you which products best fit your coverage needs.
How do you determine what policy is best for me?
We begin with your age. If you’re between 66 and 85, you qualify for our guaranteed-issue whole life policy and are automatically approved.
Applicants aged 20 to 65 are eligible for our term policies. Using your application details along with our proprietary technology and smart underwriting, we can offer a variety of coverage options.
Who can apply?
U.S. citizens aged 20 to 85 can apply. Surevix is licensed and operates in the District of Columbia and all U.S. states except New York.
What information do I need?
To ensure your application goes smoothly, please have the following information ready:
- Driver’s license
- Social Security number (to verify your identity)
- Personal and family medical history
- Current prescription information
Why do we need this information?
We request your driver’s license and Social Security number to verify your identity in real-time, allowing us to offer you instant coverage. Your medical history and prescription details help us assess your health without needing a medical exam. Rest assured, your information is secure and confidential.
What if I change my mind during or after my application?
You can start an application and withdraw at any time without penalty. Before issuing any coverage, we will provide you with details about the coverage amount and premium. If you’re happy with the offer, you can electronically sign to confirm the accuracy of the information, and your coverage will be issued. You also have a 30-day period to cancel your coverage and receive a full refund if you change your mind.
What kind of questions will I be asked?
The questions you’ll be asked depend on which of our products you qualify for, but the application process is always quick and simple.
Applicants between 66 and 85 are eligible for our guaranteed issue whole life policy and can get approved after answering just a few basic questions.
For term policies, additional questions may be required, but the entire application can still be completed in minutes.
In general, you can expect questions related to:
- Your health
- Your legal and driving history
- Your health insurance history
- Your employment and income status
- Your lifestyle and hobbies
- Your drug and/or alcohol use
form1
How do policy claims and payouts work?
If you pass away while your coverage is active, your beneficiary can easily file a claim to receive a cash payout. The claim is submitted to your insurance carrier, which will then issue the death benefit.
Assuming there are no unusual circumstances, your beneficiary will receive a tax-free lump-sum payment for the policy’s value (the death benefit). For example, if you have $250,000 in coverage, your beneficiary will receive a tax-free $250,000 payout. In some cases, the payout may be adjusted due to policy loans or the inclusion of a graded death benefit (if you have a whole life policy with a graded benefit). For more details, refer to your policy documents.
Exclusions
There are a few reasons a claim may not be paid, such as fraud, misstatements, or material misrepresentations in your application. It’s essential to provide truthful information. Additionally, if the insured’s death results from suicide within the first two years of the policy’s start date, the claim may be denied. Exclusions can vary by state, so please refer to your policy or reach out to us for further information.
Life Insurance 101
How does life insurance work? How much coverage do you need? Find all the answers and more in one convenient place.
Frequently asked questions
Does coronavirus impact life insurance?
Life insurance covers deaths related to COVID-19, and the pandemic doesn’t impact life insurance rates. Buy life insurance online with Surevix, and if your application is approved, you’ll be covered as soon as you make your first premium payment. Learn more.
Is a quote the same as my actual rate?
Typically, your initial quote is an estimate based on limited information and may change before your first payment. Once your application is approved (with Surevix, it’s free), you’ll receive your final rate. With simplified issue term life and guaranteed whole life insurance policies, your rates remain the same after your policy starts.
Can I replace an existing policy with an Surevix policy?
Whether Surevix can offer replacement coverage depends on the product and your state of residency. With any policy insured by Legal & General America, you can apply to replace your current coverage with Surevix. If you decide to replace any existing coverage, be careful not to terminate what you currently have until you receive approval of your new application to avoid any gaps in coverage.
What does a policy cover?
Your policy can help your loved ones cover significant expenses and lost wages after your passing. Many people use the death benefit to pay for mortgages, children’s education, repay debts, or support family needs.
What do customers say about Surevix?
Surevix is highly rated, with an “Excellent” rating on Trustpilot and a 4.8-star average from customer reviews. We also have an A+ rating from the Better Business Bureau (BBB), a nonprofit that promotes marketplace trust.
How do I know my policy is reliable?
Surevix partners with top life insurance carriers. As a third-party administrator and agent, we only offer policies backed by reputable industry leaders.
More life insurance questions?
Explore additional questions or search for topics on our FAQ page.
We're here to help
Our team of licensed agents is ready to answer any questions you may have. Feel free to reach out!