How It Works: A Fast & Simple Life Insurance Application
Apply for life insurance online in minutes with DIY’s hassle-free application. No medical exams required, just a few health questions to answer. Many customers receive coverage on the same day.
Get covered in 3 simple steps:
1
Get a quote
To get an instant life insurance quote online, just answer a few quick questions about yourself and explore estimated costs for different policy options.
2
Apply in minutes
Our secure online application is quick and simple—you can complete it in just about 5 minutes.
3
Get coverage
After you submit your application, we’ll review it promptly—often instantly—and inform you of your eligibility and rates. If approved, you can start your coverage right away.
What to expect when you apply:
DIY simplifies the application—just answer a few questions to find the best coverage for you.
How do we find the best policy for you?
If you’re 66–85, you qualify for guaranteed-issue whole life insurance with automatic approval.
For ages 20–65, we use smart underwriting to offer tailored term policies.
Who can apply?
U.S. citizens ages 20–85 can apply. DIY operates nationwide except in New York.
What do you need to apply?
Have these ready for a smooth process:
Driver’s license
Social Security number (for identity verification)
Medical history & prescriptions
Why do we need this?
To offer instant coverage, we use your driver’s license and social security number to verify your identity in real time. Accessing your medical history and prescription records helps us assess your health without requiring a medical exam. Your information is always kept secure and confidential.
Can you change your mind?
Yes! You can start an application and stop at any time without any penalty. Before finalizing your coverage, we will provide you with the offered coverage amount and premium. If you agree, you can sign electronically to confirm your details, and your policy will be issued. You also have a 30-day window to cancel and receive a full refund if you change your mind.
What questions will you be asked?
The application varies based on the product you qualify for. You’ll answer basic questions about your health, lifestyle, and medical history to determine coverage eligibility.
Applicants ages 66–85 qualify for guaranteed issue whole life insurance with just a few simple questions.
Term policies require additional details but can still be completed in minutes. Expect questions about:
- Health history
- Legal and driving records
- Health insurance history
- Employment and income
- Lifestyle and hobbies
- Drug or alcohol use
Get a quote
Please note that all prices quoted are subject to change, including due to underwriting.
How do policy claims and payouts work?
If your coverage is active when you pass away, your beneficiary can file a claim with the insurance provider. Once the claim is processed, the provider will issue the death benefit as a cash payout.
Under normal circumstances, your beneficiary will receive a tax-free lump sum equal to the policy’s death benefit. However, the final amount may vary if there are outstanding policy loans or if the policy includes a graded death benefit. Refer to your policy documents for full details.
Exclusions
A claim may be denied due to fraud, false statements, or significant misrepresentations in the application, making honesty essential during the process. Additionally, most policies do not cover suicide within the first two years. Specific rules may vary by state, so check your policy or contact us for more details.
Life insurance 101
Learn how life insurance works, how much coverage you need, and more—all in one place.
FAQs
Does COVID-19 affect life insurance?
COVID-19 does not impact life insurance rates, and coverage includes deaths related to the virus. Apply online with DIY—approved applicants get coverage upon their first premium payment. Learn more.
Is a life insurance quote the same as my final rate?
Your initial life insurance quote is an estimate and may change after your application is reviewed. Your final rate is set once your application is approved. With DIY’ simplified issue term and guaranteed whole life policies, your rate stays the same for the life of your policy.
Can I switch my existing life insurance policy to a DIY policy?
Whether DIY can replace your existing policy depends on the product and your state of residence. If insured by Legal & General America, you may apply for replacement coverage through DIY. Ensure your new policy is approved before canceling your current one to prevent coverage gaps.
What does a policy cover?
After your passing, your policy can help loved ones cover major expenses like mortgage payments, education costs, debt repayment, or family living expenses.
How do I know my policy is reliable?
Got more questions?
We're here to assist you every step of the way.
Our licensed agents are ready to answer any questions you may have.