Don’t want to apply over the phone? Hi, i'm Brandon Bonner. As the owner of RateShop Life™ I wanted to let clients have the option of a complete 100% online path to their coverage — quote through delivered policy, no phone calls.
You can:
Lifelong Protection: Covers you for your entire life as long as you pay the required premiums.
Guaranteed Growth: Features fixed, unchanging premiums and a guaranteed, predictable cash value growth rate.
Conservative Stability: Acts as a safe, low-risk asset, making it ideal for final expenses and legacy planning.
Temporary Coverage: Lasts for a set period (like 10, 20, or 30 years) and expires once the term ends.
Affordable Rates: Offers the highest death benefit for the lowest initial cost because it is pure protection.
No Cash Value: Does not build savings or investment value; it pays out only if death occurs during the active term.
Market-Linked Returns: Ties cash value growth to the performance of a stock market index (like the S&P 500) with upside caps.
Downside Floor: Includes a 0% floor to protect against market losses, meaning your cash value won't drop if the market falls.
Flexible Structure: Allows you to adjust premiums and death benefits, though internal fees can rise as you age.
Not every carrier offers their coverage online, many industry leading companies can be compared with a licensed advisor. This option often provides the best overall price.
If you want to skip the phone call with a licensed advisor and to get your life coverage 100% on your own, this option will provide the convenience to do so.
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Please reach us at [email protected] if you cannot find an answer to your question.
All from top-rated and track record proven insurance carriers only.
No, you don’t have to pay anything right away. Once approved, you’ll have a free-look period (usually 30 days, can differ by carrier/state) to review the policy. If you decide it’s not the right fit, you can cancel during this period with no obligation.
Your life insurance premium payment is primarily determined by your state, age, gender, health history, tobacco use, coverage amount, and the specific carrier/product chosen. At RateShop Life, we compare multiple top carriers to find you the lowest premium for the exact coverage you need. Guaranteed issue coverage excludes health altogether.
The right amount depends on your goals — covering final expenses, replacing income, paying off debts, or leaving a legacy. Most clients choose $10,000–$50,000 for final expense coverage. We’ll work with you to find the perfect amount that fits your budget and protects your family.
Most simplified and guaranteed issue whole life applications are approved on the spot during a quick phone call. No medical exams are required, so you can often secure coverage the same day and start protecting your family immediately.
No. We specialize in simplified issue and guaranteed issue whole life policies that require no medical exams or blood tests — just a few health questions (or none at all for guaranteed issue).
Possibly. If you’re paying too much or (have a term policy going up in price for example), we can compare your current coverage and show you options that may offer better benefits or lower premiums. We’ll review everything together before making any changes. Age is a major factor for the payment amount so for example if you've had a level whole life policy for 10 years, it is unlikely to get a lower rate for the same type of coverage. We want to ensure you get the best coverage possible so replacing your current life insurance could be a great option to save money for the same coverage amount, but could also be a bad decision so this is why we will discuss these details before any replacement.
For whole life / final expense insurance, yes. Whole life/burial/final expense insurance features fixed, level premiums that never increase as you age, as long as you pay them on time it will never increase. Any other product is not locked in forever. Term insurance usually will hike in price (price hikes worsen as we age) and Universal life is more flexible and you have more control however not guaranteed to stay the exact same indefinitely.
Once the claim is submitted and the policy is in force, our top-rated carriers typically issue the death benefit check to your beneficiaries within 24–72 hours after approval. By working with minimum A rated carriers, this ensures fast, reliable payment of claims — often with funds sent within just a couple business days.
Burial, Final Exp, Whole Life provides lifelong coverage that never expires, builds cash value you can access, and guarantees a death benefit whenever you pass away — with premiums that stay the same for life.
Universal Life also provides lifelong coverage, but with flexible premiums and death benefits you can adjust over time. It builds cash value that grows based on current interest rates (or market indexes with Indexed Universal Life). You can access the cash value, but growth and premiums are not fully guaranteed like whole life, so the policy needs to be properly funded to stay in force.
Term Life provides coverage for a set number of years (10, 20, or 30). If you outlive the term, the policy expires with no payout and no cash value. Many term policies also have premium increases every 5 years, and renewing at the end of the term usually comes with much higher rates due to your older age.
