Everly
New application
Policyholder
Product
Status
Dana Whitfield
POL-4471903
Term Life
Active
Marcus Bell
POL-4471884
Term Life
In review
Priya Raghavan
POL-4471852
Income Protection
Active
Licensed in all 50 states
Claims paid in 6 days on average
Quotes compared across 12 carriers, all rated A or better by AM Best
Ashmoor Life
Bellcrest Mutual
Harrowgate
Northvale Assurance
Sutter Ridge
Whitlow Financial
Cover from $100,000 to $3 million, on terms of 10 to 30 years
A price you hold for 30 years
Your premium is fixed on the day the policy starts and stays flat for the whole term, on a 10-year policy or a 30-year one.
9 in 10 skip the medical exam
Answer the health questions and most applicants get an offer without a nurse visit. Labs add about 5 working days when a carrier does ask for them.
Cover up to $3 million
Start at $100,000 and raise it later when a child arrives, a mortgage grows, or a salary jumps.
Cancel in any month
Stop the policy from your account in two clicks with no cancellation fee, and take the first 30 days as a full refund.
Your family sees the money inside 10 days
Everly files the claim with the carrier, chases the paperwork and follows the payment. Across 1,140 claims settled last year the average was 6 days, and none went past 10.
One named case handler, from claim to payout
Change a beneficiary any time, at no cost
Payout by same-day bank transfer once approved
Three steps, about 12 minutes, one evening
01
Answer the questions
Age, height, weight, smoking, medications, occupation and travel. Twelve minutes on a phone, and you can stop and come back to it.
02
Compare 12 carriers
One set of answers goes to every carrier on the panel. You see each price, each term and each exclusion on one screen, ranked by monthly cost.
03
Get a decision
Nine in ten applicants are approved inside 24 hours. The rest get a blood and urine panel booked at home, at Everly’s cost, adding about 5 working days.
Nothing is charged until a carrier issues the policy and you accept it.
Start step one now
41,000 families hold an Everly policy
Everly is a broker, so one set of answers gets you quotes from 12 carriers rated A or better by AM Best. The carrier issues and pays the policy. Everly stays your point of contact for the whole term.
“We are paid the same whether you buy the cheapest policy on the list or the most expensive. That is the only reason a comparison is worth reading.”
Ruth Calloway, Head of Underwriting, Everly
Cover by product
Term Life
$500,000
from $18
Whole Life
$250,000
from $61
Final Expense
$25,000
from $39
Income Protection
$4,200 a month
from $23
Six covers Everly writes, and what each one pays for
Term Life
A fixed sum for a fixed number of years. The cheapest way to cover a mortgage or the years until your youngest leaves home.
See term life prices
Whole Life
Cover that runs for life and builds a cash value you can borrow against from year 10 onward.
See whole life prices
Final Expense
$10,000 to $35,000 toward a funeral and the estate paperwork. Accepted on answers alone after age 50.
See final expense prices
Mortgage Protection
Cover that steps down as the balance does, so the premium tracks what is left rather than what you borrowed.
See mortgage cover prices
Income Protection
Up to 65% of your salary paid monthly if illness or injury stops you working, from $23 a month.
See income protection prices
Key Person
A business insures the person it cannot replace quickly. The payout goes to the company to cover the gap while it hires.
See key person prices
Three ways to buy $500,000 of cover
Prices are for a 30-year-old non-smoker in good health on a 20-year term. Your own quote comes from your own answers.
Prices shown monthly. Yearly billing saves two months on every plan.
Essential
$
18
or $180 a year, two months free
$250,000 of cover
20-year term
Decision inside 24 hours
Start my Essential quote
Most chosen
Family
$
34
or $340 a year, two months free
$500,000 of cover
20-year term
No medical exam for 9 in 10 applicants
Second adult added at 50% of price
Child rider up to $25,000
Start my Family quote
Legacy
$
71
or $710 a year, two months free
$1,000,000 of cover
25-year term
Named case handler on any claim
Start my Legacy quote
Cancel in any month with no cancellation fee. Full refund inside the first 30 days.
Everly against the two things you are probably comparing it to
4.8 out of 5 from 3,190 policyholders
“My broker quoted $68 a month for $500,000. Everly came back at $34 with a carrier I had heard of, and the whole thing took one evening. What I did not expect was getting one person’s name and having that same person answer every email for three weeks.”
Marcus Bell
Site Foreman, Kearn Brothers Construction, Toledo OH
Read all 3,190 reviews
“I applied on a Tuesday evening after the kids went down. The $500,000 policy was approved by 11am Wednesday and nobody came to the house.”
Dana Whitfield
Practice Manager, Ridgeline Dental Group, Boise ID
“My husband died in March. I sent one form and a death certificate on the 4th and the money was in the account on the 10th.”
Priya Raghavan
Nurse Practitioner, Meadowbrook Family Health, Sacramento CA
“I was declined twice for a heart condition. Everly put the file in front of a carrier that writes it and came back at $61 a month.”
Owen Tanaka
Owner, Tanaka Landscaping, Bend OR
Health answers, held the way health answers should be
Everly is SOC 2 Type II audited and licensed as an insurance producer in all 50 states.
AES-256
Encrypted in transit and at rest, on every field of the application.
US only
Stored in US data centres. Nothing is processed or mirrored outside the country.
50 states
Licensed as a producer in every state. Licence numbers are listed in the footer.
30 days
A withdrawn application is deleted 30 days later, including the health file.
The six questions people ask before they buy
Why is $18 a month so much cheaper than the policy I already have?
$18 buys $250,000 of term cover for a 30-year-old non-smoker on a 20-year term. Term cover expires at the end of that term, which is why it costs a fraction of a whole-life policy that pays out whenever you die and builds a cash value on the way. If your current policy is whole life you are comparing two products, and the quote page shows both.
I already have cover through work. Do I need this?
Employer cover is usually one or two times salary and it ends on your last day. A personal policy follows you through a job change, a redundancy or a move abroad, and its price is set by your age and health on the day you apply rather than by your employer's group rate.
What happens to my current policy while I switch?
Keep paying it. Everly never asks you to cancel anything until the new policy is issued and the first payment has cleared, which is 24 hours after approval for most applicants and about 5 working days when labs are needed. Cancelling early is the one mistake that leaves a family uncovered.
How long does the application actually take?
Twelve minutes of health, lifestyle and occupation questions, all on a phone. Nine in ten applicants get a decision inside 24 hours with no nurse visit. The rest are asked for a blood and urine panel, which Everly books at your home and pays for.
What happens to my health answers and my medical records?
Answers are encrypted in transit and at rest, held in US data centres, and passed only to the carrier underwriting your application. Everly is SOC 2 Type II audited, sells nothing to advertisers or data brokers, and deletes the file 30 days after a withdrawn application.
Am I locked in if I change my mind?
Cancel from your account in any month with no cancellation fee. Inside the first 30 days every premium paid comes back in full. After that the policy lapses at the end of the month you stop paying, and you can reapply later at whatever your age and health allow then.
See your price in 3 minutes
Twelve minutes of questions gets a decision inside 24 hours, and nine in ten applicants are approved without a nurse visit.