LowRateLife.com
Getting life insurance
should be painless. Honest, easy, and affordable coverage.

A new way to get life insurance

  1. Calculate how much insurance you really need
  2. Apply in under 20 minutes
  3. Start your coverage right away

Getting insured shouldn't feel like it's gonna kill you

At LowRateLife.com, we believe that technology offers an improved solution to the typically time-consuming and confusing process of buying life insurance. Our goal is to provide an easier, faster, just plain better way to get covered.

Simple online process. Immediate decision. Great insurance.

How we're different

  • Simple online application process
  • An immediate decision with InstantTerm
  • No medical exam for qualified, healthy applicants
  • Backing of MassMutual, a 160-year-old life insurer
  • Easy price and policy comparisons
  • A plain language no commission policy

What our customers are saying:

  • May 3, 2020
    Great process..
    Great process... rarely do you start a task such as this with the expectation it would be easy. This was easy. Clear instructions, timely communication and great price. Highly recommend!
    JF
  • May 3, 2020
    Would Recommend
    Love that the process is online! I would recommend Hevan Life to my family and friends!
    Marcus
  • May 3, 2020
    I was very pleased with the process
    I was very pleased with the process, it was completed in a timely manner.
    John
  • May 3, 2020
    Great process and experience
    Great process and experience. Painless!
    Daniel
  • May 3, 2020
    Great company
    Great company, Everything from online quoting and medical/enrollment processes to chat and phone call supports have been great so far. I am very satisfied.
    Sam
  • May 3, 2020
    Fast response and application time and …
    Fast response and application time and great customer service!
    Amit
  • May 3, 2020
    Life Insurance Made Easy
    Life Insurance Made Easy
    Jenean
  • May 3, 2020
    The process was quick and efficient.
    The process was quick and efficient.
    Jim
  • May 3, 2020
    My recent experience with LowRateLife...It was very good!
    Recently, I was laid off from my job. I had been on group life insurance for 19 years and then when my coverage ran out, I had no Life Insurance to protect my wife and kids. I did some research and shopped various sources and saw that LowRateLife was very competitive and offered on-line acceptance for insurance. After filling out the initial application, I did need to have some blood work done to confirm that I was in good health. They scheduled an appointment within 2 days and the nurse came to my home. It was really easy. They had some follow-up questions that I answered and from the time I started the process to the time I was insured, it took about week or so. It was a VERY efficient process and communications were clear and concise. I received a 15 year term policy at a competitive rate in an open and transparent process. I'd recommend LowRateLife to anyone looking for life insurance.
    James
  • May 04
    Overall very happy with LowRateLife!
    I wasn't looking forward to the long complicated process of applying for life insurance. I filled out my information online and then made an appointment for a physical. I had a few questions along the way and every interaction with the LowRateLife was positive. Overall very happy with LowRateLife!
    Andy
  • May 04
    Friendly and Convenient
    LowRateLife was very user-friendly throughout the application process. Great customer support when needed and very flexible with setting up appointments, etc.
    Genevieve
  • April 29
    Great experience with LowRateLife
    Great experience with LowRateLife. Overall very easy web experience and they kept me up to speed as the process progressed. In my limited interactions with customer support they were very responsive with answers the same day in many cases. Rates were also very competitive.
    Charles
  • April 28
    Can I buy stock?
    It was simple. It was easy. It wasn't as streamlined as the website lead on maybe. Regarding the medical exam and awaiting the results. And when the results came back my premium was seven dollars higher than the original quote. Made me feel like it was the old bait and switch. But all in all, yes I would recommend it and I would love to buy stock in the company as soon as it goes public!
    Thomas
  • April 28
    Easy online application
    Easy online application. Blood draw at my home. Online results with a couple of days. Result explanations better than you get with an annual physical. Application accepted within days and the price is half of what I was paying with a different company.
    Christine
  • April 25
    Nice job
    Although I didn't escape with the premium I was quoted (following medical exam) the eventual premium was only marginally higher. Everyone I dealt with was professional, friendly and knowledgeable. I would recommend if asked.
    Gerry
9.3/10 |

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