Insure & Retire is an independent nationwide life insurance brokerage. Being independent allows us to have access to over 20 of the nation’s top life insurance companies. This grants us the ability to better serve you and offer the latest rates and plans.
We introduce to you, Online Life Insurance. The choice is now truly yours. Pick the insurance amount, plan type, and life insurance company.
*Available nation wide including New York*
Run A Quote
Enter your information and face amount into our Life Insurance quote engine. For help with how much Life Insurance you should have, please use our Life Insurance Calculator. We recommend permanent life insurance (No Lapse to age 121 U/L).
Select A Plan
A list of companies with premium amounts sorted by the health class you should qualify for will show up on the next page. The plans are in order starting at the top with best available plan for you (premium & health rating wise). Select a plan and company that you’re most comfortable with.
Request An Application
Click the Request an Application button and one of our expert advisors will be in touch with you within 24 hours. We will need to gather some brief information from you such as health history and beneficiary information, as well as obtain a few signatures. Once the application is completed, we send it off to the insurance company you chose to begin the underwriting process.
Most cases require a medical exam or a “paramed” exam. Upon completing the application process, your advisor will schedule a nurse to come out to a location of your choosing. Blood and urine samples are collected and depending on the face amount you choose, additional test may be required. This process usually takes about 30 minutes and is fully paid for by Insure & Retire.
*If you are looking for a plan that doesn’t require a medical exam, look for the SI or SIMPLIFIED ISSUE in the name of the plan. Not all companies carry simplified issue products.*
The results of your paramed exam are sent to the life insurance company you chose and the underwriting process begins. Underwriting can take anywhere from 3 days to 1 month+ depending on your health history. Additional forms may be required from the underwriter.
Congratulations! You have been approved for the Life Insurance plan that you selected. At this point, the insurance company will begin to draft first premium from your account.
Once the policy is sent to us and the insurance company has collected the first premium, we will send you the hard copy of your policy. Keep the hard copy in a safe, dry place and let your beneficiary or other loved ones know where it’s been placed.
We greatly appreciate you choosing to protect your family and loved ones through Insure & Retire. We are glad we’ve helped you find exactly what you were looking for! The greatest compliment you can give us is to spread the word and refer us to your friends, family, and colleagues!