Life insurance used to mean stacks of forms, printing, signing, scanning, faxing, and mailing documents back and forth for weeks. Not anymore. Today you can apply for term life insurance entirely online or over the phone – no printing, no scanning, no trips to the post office.

TermHero makes the process as simple as possible. Most of our clients complete their entire application in under 20 minutes without touching a single piece of paper.

How the Paperless Process Works

1. Quick Conversation or Online Form

Tell us your age, health basics, and how much coverage you need. This takes about 5 minutes – by phone at (818) 222-2300 or through our online quote form.

2. We Find Your Best Options

TermHero compares rates from 30+ carriers and presents your top matches. We explain the differences so you can make a confident choice.

3. Digital Application

Your application is completed electronically. No PDFs to download, no forms to print. Answer the health and lifestyle questions on screen or over the phone with your agent.

4. E-Signature

Sign your application with a digital signature – a few clicks or taps from your phone, tablet, or computer. Legally binding, fully secure, and accepted by every major carrier.

5. Electronic Delivery

Your policy documents are delivered to your email as a PDF. Review them anytime, from anywhere. No bulky envelopes, no filing cabinets needed.

Why Go Paperless?

  • Fast – Complete your application in one sitting, often under 20 minutes
  • Convenient – Apply from your couch, your office, or your kid’s soccer practice
  • No printing or scanning – Everything is digital from start to finish
  • No mailing delays – No waiting for documents to arrive or be processed
  • Secure – Encrypted digital applications are more secure than paper sent through the mail
  • Eco-friendly – No wasted paper, envelopes, or postage

What You’ll Need to Apply

Keep these handy and the process goes even faster:

  • Basic personal info – Name, date of birth, address, Social Security number
  • Beneficiary details – Name and relationship of who receives the benefit
  • Health basics – Height, weight, medications, doctor’s name and address
  • Employment info – Employer name and annual income
  • Existing coverage – Details on any current life insurance policies

That’s it. No tax returns, no financial statements, no doctor’s notes. Just straightforward questions with straightforward answers.

TermHero Handles the Details

Even a simple application can feel overwhelming when you’re not sure what to expect. That’s where we come in:

  • We pre-fill what we can – After our initial conversation, we handle as much of the application as possible so you’re not starting from a blank screen
  • We guide you through every question – Not sure how to answer something? Your TermHero agent walks you through it
  • We follow up with the carrier – If the insurance company needs additional information, we handle the communication so you don’t have to chase anyone down
  • We review your policy – When your policy arrives, we review it with you to make sure everything matches what you applied for

Frequently Asked Questions

Is an electronic signature legally valid? Yes. E-signatures are legally binding under federal law (ESIGN Act) and California law (UETA). Every major life insurance carrier accepts them.

Do I need to print anything? No. The entire process – application, signature, and policy delivery – is digital. You can print your policy documents for your records if you’d like, but it’s not required.

Can I apply entirely by phone? Yes. If you prefer not to fill out forms yourself, your TermHero agent can complete the application with you over the phone. You’ll just need to confirm a few details via email and provide your e-signature.

What if I’m not comfortable with technology? No problem. Call us at (818) 222-2300 and we’ll walk you through every step. Many of our clients complete the entire process over the phone with minimal screen time.

How long does the whole process take? Most applications take 15-20 minutes. If you qualify for no-exam coverage, you could have an approved policy within 24 hours of starting.

Ready to Get Covered the Easy Way?

No forms. No faxes. No hassle. Just affordable term life insurance with an application process designed for real life.

Call (818) 222-2300 or get your free quote