Ready to get covered? Applying for life insurance through TermHero is simple and can be done entirely from home. Whether you’re applying for a traditional exam-based policy or a no-exam option, our licensed agents guide you through every step.
Online Application Process
1. Choose Your Policy
Based on your free quote, select the coverage type, amount, and term length that fits your needs.
2. Complete the Application
Answer health and lifestyle questions. For no-exam policies, this may be all that’s required. For traditional policies, we’ll schedule a brief medical exam at your convenience.
3. Underwriting Review
The carrier reviews your application. No-exam policies can be approved in 24 hours. Traditional policies typically take 1-3 weeks.
4. Policy Delivery
Once approved, you review and sign your policy electronically. Coverage begins immediately.
What You’ll Need to Apply
- Government-issued ID
- Social Security number
- Beneficiary information (name, date of birth, relationship)
- Basic health history (medications, conditions, doctor visits)
- Income information (to justify coverage amount)
Our agents help you gather everything – you don’t need to have it all ready before calling.
Start Your Application
Ready to protect your family? Start your application today.