Personalized life insurance — built around your needs
Founded in 2018, Everyday Life Insurance is a fully online platform offering affordable, personalized term life insurance. Their policies are designed to provide cost-effective coverage during the years when your loved ones depend on you most. Everyday Life stands out for its smart recommendation engine, competitive pricing, and partnerships with reputable insurers like Legal & General America and Fidelity Life.
In this review we’ll cover everything you need to know about Everyday Life’s term life insurance — including coverage options, pricing, the application process, and what real customers have to say.
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Get My RateTerm life insurance provides coverage for a specific period, typically between 10 and 30 years. If the policyholder passes away during this term, their beneficiaries — such as a spouse or child — receive a death benefit: a tax-free lump sum that can help cover expenses like mortgage payments, childcare, or everyday living costs.
What sets term life insurance apart from whole life insurance is its simplicity and affordability. Term life doesn’t include a cash value component or investment feature, which keeps premiums significantly lower. Whole life insurance, by contrast, provides lifelong coverage and builds cash value over time — but at a considerably higher cost.
Term life insurance is ideal for people who need financial protection during specific life stages — such as raising a family, paying off a mortgage, or carrying other significant debts — without committing to the higher premiums of a permanent policy.
Not all term life insurance policies are the same, however. Coverage details can vary significantly between insurers, including term lengths, coverage amounts, underwriting requirements, and renewal options. Some companies require a medical exam; others, like Everyday Life, offer no-exam options that make the application process faster and more accessible. Understanding these differences is key to finding the right fit for your needs.
Everyday Life offers term life insurance for applicants between the ages of 18 and 65, with coverage amounts ranging from $50,000 to $2 million. This range accommodates a wide variety of financial needs — from covering final expenses to protecting a mortgage or funding a child’s college education.
Available term lengths are 10, 15, 20, or 30 years, allowing you to align your coverage period with your most significant financial obligations. Policies are also renewable up to age 95, giving you the flexibility to extend coverage if your circumstances change later in life.
One standout feature is Everyday Life’s Ultimate Life Insurance Calculator, which evaluates your coverage needs based on the information you provide and recommends a personalized policy aligned with financial planning best practices — all in a matter of minutes.
The application process is entirely online and straightforward. It begins with a brief questionnaire covering your age, health, lifestyle, and financial needs. Based on your responses, Everyday Life’s algorithm generates personalized coverage recommendations tailored to your situation.
Once you’ve reviewed the recommendations, you can customize your chosen policy — adjusting the coverage amount or term length — before submitting your application. For most applicants, no medical exam is required. Approval decisions are typically made within 24 to 48 hours.
Everyday Life also offers optional medical underwriting within the first six months of your policy’s start date. This gives policyholders the opportunity to potentially qualify for improved rates or benefits based on the results of a full underwriting review.
The best time to buy term life insurance is generally as early as possible. Because insurers base premiums on your age and health at the time of application, younger and healthier applicants typically qualify for the lowest rates. Locking in a rate early means you’ll pay that premium for the entire length of your term, regardless of any future changes to your health.
That said, term life insurance isn’t exclusively for young buyers. For older individuals, it can still provide meaningful financial protection — covering dependents, paying off outstanding debts, or securing a legacy for loved ones. While premiums may be higher, having coverage in place offers valuable peace of mind at any stage of life.
Like all life insurance policies, Everyday Life has specific exclusions — situations in which coverage may not apply. While exact exclusions vary by policy, common examples include:
These are general examples — specific exclusions vary by policy. Always review your policy documents carefully to understand the full scope of your coverage and any limitations that apply.
Everyday Life Insurance is headquartered in Boston, Massachusetts, was founded in 2018, and is accredited by the Better Business Bureau (BBB). On Google, the company holds an impressive rating of 4.8 out of 5 stars based on over 240 reviews. Customers frequently highlight the ease of use of the online platform, the smooth application process, and the quality of customer service as standout strengths.
Everyday Life Insurance is a strong contender for anyone seeking affordable, flexible term life insurance that can be purchased entirely online. Their personalized recommendation engine simplifies what can otherwise be a confusing process, and their partnerships with established underwriters like Legal & General America and Fidelity Life provide confidence in the financial backing behind each policy.
With coverage amounts from $50,000 to $2 million, terms of 10 to 30 years, and no medical exam required for most applicants, Everyday Life offers a combination of accessibility, customization, and competitive pricing that makes it worth a close look — regardless of where you are in life.
Everyday Life is one of our top-rated term life insurance providers.
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