Affordable Life Insurance Protection for Your Family

Life Insurance That Starts Immediately

Is There Life Insurance Available That Starts My Coverage Right Away?

Life Insurance That Starts Immediately

Yes, there are instant-issue life insurance plans available for qualified applicants.

Qualified usually means you must be healthy and qualify based on your answers to some health questions asked when you apply for your policy.

Several insurers now offer an online application process to get you insured quickly.

However, some people may be looking for quick coverage because they have a health problem and want to try and get insured before it gets worse, or they pass away.

If you have Health Issues, there are Guaranteed Issue life insurance plans available for people ages 45 to 85.

If you are Healthy and want life insurance protection that starts right away JRC offers a quick and easy way for healthy individuals to get the insurance coverage they need without any of the hassles, delays or having to go through a medical exam.


The Process is Simple

You just request your free price quote, apply for coverage – which takes about 15-20 minutes, and then you find out usually the same day, if you qualify for a policy.

Once you are approved for coverage, just select a premium payment option, and start your coverage immediately.

What used to take up to 4-6 weeks for a consumer to get their life insurance policy now takes as little as 15-20 minutes.

How Much Immediate Life Insurance Can I Buy?

You may be able to choose from $100,000 up to $1,000,000 of quick issue term life insurance coverage. However, there are insurers that offer up to $2,000,000 or more of instant-issue life insurance protection for healthy folks between the ages of 20 to 59.


Is There a Medical Examination Required to Get Insured?

Healthy individuals can qualify to start their coverage immediately with no physical examination required. But, if you have health issues or you are over 40, you may be required to take a health exam to find out if you qualify for a policy.


What If I Change My Mind?

Each life insurance policy comes with a 10 to 30-day money-back guarantee.

This is the Free Look Period, where you can review your life insurance policy and you have that period of time to return it to the insurer, and cancel your coverage, and get all your paid premiums returned to you.

The length of the Free Look Period may vary by state, as each state determines their mandatory period. So, it can vary from 10-30 days, usually.


Can I Buy Life Insurance for My Spouse, Too?

Yes, if you're married, you can purchase a life insurance policy for your spouse, too. 

In addition, you may be able to buy a life insurance policy on your life partner, if you are not married.


Benefits of Immediate Life Insurance


  • No Health Exam – You can get insured without taking a physical examination.
  • Instant Approval – Find out today if you are approved for coverage.
  • Affordable Rates – Get competitive pricing on no exam plans.
  • Same Day Coverage – Once approved, you can start your life insurance right away
  • No Agent Needed – You won’t have to meet with an insurance agent.
  • Money Back Guarantee – Risk free, 10-30-day money back guarantee.


And Yes, once you start your policy your life insurance coverage begins immediately – the very same day!


Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 63 top life insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.

Immediate Coverage is Available for:

  • 18-65 years old
  • U.S. citizen and resident
  • Not active military or in the process of enlisting


Instant Issue life insurance may not be right for people with significant health concerns, such as diabetes or COPD. 


Do You Have Health Problems?

If you have a pre-existing health condition, you may want to consider Guaranteed Approval Life Insurance with no health exam and no health questions asked.


Quick Issue Life Insurance Review

  • Up to $1,000,000 in coverage
  • Affordable and competitive rates
  • Same Day coverage decision
  • Available to adults aged 18-65
  • Comprehensive price comparison tool
  • Entirely online and intuitive application process

Quick issue term life insurance policies without the hassle and delays of medical examinations or waiting periods. 

Start Your FREE Quote


Buy Life Insurance on My Adult Children

Life Insurance That Starts Immediately

Life Insurance with Instant Approval

Life Insurance Today

Disclosure: Compensated Affiliate