Insuring your family's future is easier than you thought
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The Insurapply Choice
As a true-Life Insurance brokerage company with over 41 years of combined industry experience, and representing over 30 “A” rated carriers, Insurapply has the resources to guide you. Whether you’re searching for the best price available, a specific company, or added benefits, Insurapply will help you navigate and choose the right coverage. Insurapply was built specifically for the end user to go at their own pace. If you are the type of consumer that likes to take their time and research our site for pertinent information, we have a robust library of topics and reading material that you will find valuable. If you wish to speak with customer service and want to feel more comfortable, want advice or guidance, we have the experience to support you. Or if you are comfortable shopping online and you are primarily comparing price and desire not to speak with anyone, we’ve got you covered. At Insurapply, you can compare price through our quoting engine in seconds and apply for coverage all in one place in minutes.
Prudential Mutual Of Omaha Nationwide Zurich Voya
Jump into the first easy step
Taking this first step will bring you closer to peace of mind now and for your future. It's easier than you thought.

Our mission is to safeguard your legacy
Our Mission is to provide our clients with a simplified and streamlined life insurance process that fits their needs at the best price available.
An Easy Experience with Insurapply
Because Insurapply was built specifically for you, the customer, you will no doubt save time and money with our streamline process. You will have access to the industry’s latest technology on your phone with online, real time quoting, electronic applications, accelerated underwriting process, and electronic delivery of your policy. As your life insurance provider, you will always have access to our licensed and experienced customer service team as a resource for ongoing needs. It’s easier than you thought.
How does term life insurance work?
Term life insurance is a type of life insurance that guarantees payment of a stated death benefit and alleviates the financial burdens imposed on your loved ones in the event of your premature death.
How much term life insurance do I need?
Generally speaking, the amount of insurance you need is your income multiplied by 10, add all of your debts (including mortgage), and subtract all of your assets.
Curious about life insurance with no medical exam?
Despite what some ads may have portrayed, only about 20% of all life insurance written will qualify without a medical exam. The population who makes up this 20% are usually under 50 and in excellent health, learn more to see if you may qualify.
Getting life insurance is easy, fast and affordable with Insurapply.
The benefits of life insurance
Replace your income
Pay off all debts (mortgage, vehicle, credit cards…)
Provide for dependents
Funeral/Final Expenses
Alleviate expected medical expenses
Business continuation
Inheritance and family estate planning
Great questions you might be asking

Insurapply is a life insurance brokerage firm. We are not the insurance company, nor do we manufacture the life insurance products. Amazon does not make candy, but when you go online, you see Skittles, Snickers, Hershey’s and an assortment of candies to choose from. You can purchase this candy from your phone from anywhere. Insurapply is the same as Amazon, built specifically for life insurance, where you compare price, company, and have access our online tools for life insurance coverage.

Insurapply has business relationships with over 30 “A” rated life insurance carriers across the U.S. Each company has a separate compensation agreement with Insurapply, and we get paid by the insurance companies directly. You do not pay Insurapply anything, there is no fee for our service. Insurapply does the marketing, the advertisements, and business processing so the insurance companies compensate Insurapply for this service and distribution. Because we represent so many life insurance carries, we do not favor one company over the other and we do not push you to a specific carrier.  This non biased approach will provide you the best coverage for the best price available.

Yes, Insurapply is required by law to be licensed in each state in which we conduct business. For example, in Texas, we are licensed through the Texas Department of Insurance. We pay our renewal fees to the state and provide proof of continuing education to stay current and up to date on state requirements.

We are not affiliated with any Life Insurance company. We are a brokerage firm for life insurance carriers. We represent over 30 different “A” rated companies and without bias. In fact, we represent you. As a true brokerage firm for life insurance, we have structured our company to help you find the best coverage for the best price available.

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insurapply blog

Can You Get Money Back from Term Life Insurance?

No, you cannot get money back from most standard Term Life Insurance policies. Term life insurance lasts for a set period of time, or “term,” such as for 10 years, 15 years, or 25 years. If you pass away at any time during the term, your beneficiaries will receive the full death benefit amount. If […]

When do I need Term Life Insurance?

Life insurance is purchased for spouses, children, significant others, and loved ones who are left behind when you pass away. Buying a life insurance policy is a selfless act, since the death benefit protects those who depend on your income to maintain their standard of living. It might be the right time to consider life insurance […]

Are There Disadvantages to Having Term Life Insurance?

Term life insurance is an affordable means to provide for your loved ones and family after you’re gone. Typically sold in increments of 10, 20, 30, or 40 years, term life policies are simpler and less expensive than whole life plans, but they do have some drawbacks. To fully appreciate the potential disadvantages of term […]

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