Thimble is the most innovative business insurance company. We’re the first and only company offering on-demand insurance by the hour, day, or month to small businesses across 120+ professions. We’re also the only company with an app so you can buy policies while you’re on the way to the next job.
A-rated insurance that’s actually affordable. Quotes in 60 seconds. Instant Certificates of Insurance.
Getting a quote with Thimble is easy. Simply tell us your profession, your zip code, and the length of time you need to be covered. You have full control and can add additional insureds, crew members, choose coverage up to $2M, and much more. You’ll receive an Instant Certificate of Insurance and can modify or cancel your policy at any time from the Thimble app.
AgeUp is an innovative deferred income annuity designed to help those over age 90 live more comfortably. This annuity is simple to buy and builds up a guaranteed income stream over time for the benefit of loved ones (typically parents). With customizable low monthly payments and a generous death benefit, this annuity can be a budget-friendly and safe way to help relatives enjoy the latter portion of their retirement.
Provides guaranteed income for lifeChoice of payout ageCustomizable monthly premiumDeath benefit availableIssued by MassMutual
Ladder offers term life insurance for those between 20 - 60 years old. The simplest and most cost-effective policy, term life offers coverage for a set period of time — in this case, 10, 15, 20, 25 or 30 years. The premium stays the same for the duration of the policy, unless you decide to adjust the amount of coverage.
If you choose to increase (ladder up) or decrease (ladder down) your coverage, you don’t need to apply for a new policy. Just log in to your account to make the change, and Ladder will give you a new rate to reflect that. You can purchase a term life policy with a face value between $100,000 and $8,000,000. At the end of the term, you can renew your policy annually for up to five years, or let it lapse.
If you pass away, your beneficiaries will receive a guaranteed death benefit. Ladder doesn’t charge policy fees, and you can cancel your coverage at any time.
This company offers term life insurance only. (Its parent company, MassMutual, has a much wider selection of products if term life isn’t for you.)
Term life insurance is often the most affordable type of life insurance policy, and there’s no exception here. Available in 10, 15, 20 and 30 year terms with up to $3 million in coverage, premiums start as low as $7 a month and remain unchanged over the term of your policy. No medical exam is necessary for most applications, but you might need to submit to tests if you renew your policy after a lapse.
Launched in 2016, Ethos offers term life policies online. Ethos says completing the online application can take as little as 10 minutes and that most people who qualify for coverage don’t need to complete a medical exam. Coverage amounts range from $100,000 to $1.5 million. Ethos uses data such as your motor vehicle records, family medical history and current drug prescriptions to calculate eligibility and set rates.
Fast process (no medical exams for most)Flexible, affordable optionsHonest advice. No up-selling.Money-back guarantee
From basic term policies to complex estate plans, Vantis has solutions.
Two main areas Vantis Life Insurance Company thrives are through innovative products designed to match specific needs of individuals, families and businesses, but also through top notch customer care.
These two combined are a winning formula, allowing the carrier to grow to almost $5 billion of life insurance death benefit already in force.
In addition, more than half a billion dollars are invested through their annuity products.
Vantis Life, who also operates as Vantis Life Insurance Company of New York (NY only), has shown their size and financial status to be excellent, and have received a credit rating score of “A+” from A.M. Best yet again.
215 E 24th St #120, New York
Life Ant was started in January 2014, with the goal of fitting each of their educated clients with the lowest cost life insurance policy.
Through Life Ant quote comparison tool, clients can compare the costs of different life insurance providers. After reviewing their options and choosing the policy that fits their requirements the best, clients have the option to speak with an agent from their chosen company.
Clients can browse their life insurance blog and life insurance guide for tips on reducing life insurance costs, as well as ways that life insurance may benefit them and improve their lives. Life Ant provide a large reference for all life insurance terminology to educate their clients to get the ultimate satisfaction.
Life insurance regulations vary from state to state.
LeapLife is a comprehensive way to search for life insurance from top providers, available in all 50 states.
LeapLife is powered by Even Financial, the leading search, comparison and recommendation engine for financial services.
Unlike other life insurance agencies, LeapLife offer you the most flexibility in obtaining life insurance coverage. You can apply for a simple instant-decision policy online or chat with one of LeapLife licensed life insurance specialists, free of charge, to tailor a policy that exactly suits your needs.
Assurance is an online marketplace for life, health, or Medicare insurance that connects consumers with reputable U.S. insurance providers, brokerages, or agents to get the best rates possible. The company also sells its own brand of Accident and Sickness Hospital Indemnity insurance. The BBB-Accredited business was founded in 2009 and is headquartered in Bellevue, Washington.
In addition, Assurance offers its own brand of health insurance, Assurance IQ Choice, which is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Assurance IQ Choice has eight plans including a Basic, Choice, and Premier Plan all of which are Accident and Sickness Hospital Indemnity plans.
ASSURANCE IQ CHOICE INCLUDES:Guaranteed issue for members and their spouses ages 18 - 65 and dependent children through age 26; all pre-existing condition limitations applyDaily in-hospital indemnity: Choice of $200, $500, $750, $1,000, $1,500, or $2,000Surgery, ICU, emergency room, doctor's office visit, diagnostic X-ray and lab, wellness, anesthesia, loss of income, and ambulance benefits availableAccident or sickness outpatient doctor office visit benefit: $75 or $100 per visit up to 6 days payable per insured and per policy year
Immigrant life insurance
PROVIDING LIFE INSURANCE TO THE IMMIGRANTS WHO MAKE THE UNITED STATES THE BEST
Sproutt doesn’t actually sell life insurance. It’s an independent broker that connects you with a provider and policy that matches up with your needs and budget.
It works with over 40 top-rated life insurance companies, including major carriers like AIG, Principal, SBLI and Sagicor Life.
Depending on the insurer you’re matched with, you could get a quote for the following types of coverage:
Term lifeWhole lifeNo medical exam life insurance — including guaranteed issue, simplified issue, final expense and graded death benefit policiesUniversal lifeVariable life
Policygenius doesn’t provide coverage directly. The insurance providers it partners with each offer different levels and types of insurance.
Though not directly listed as available, Policygenius gives a general comparison of the following types of life insurance:
Term life. Most policies cover you from 10, 20 or 30 years. Once the coverage ends, your premiums can increase depending on the provider. Outliving the policy means no you won’t see a payout.Return of premium term life. If you outlive your policy, you’ll be paid back the premiums that you’ve paid over the years.Whole life. Premiums are typically higher than a term policy, but coverage is permanent as long as you stay on top of your payments. Policies can also gain cash value.Universal life. A type of whole life that gives you the option to change your premium throughout the life of your policy. Lowering premiums and borrowing from the cash value can decrease the value of the payout.Variable life. This type of permanent policy allows you to invest your payments in subaccounts, allowing you to earn dividends.Variable universal life. A combination that brings you the ability to change your premiums from universal to the subaccounts of variable life.Accelerated life. This type of policy can be purchased in just a few weeks, without having to take a medical exam.
Bestow offers term life insurance policies for those aged 21 to 54. The cheapest and most straightforward policy, term life provides protection for a set period of time — in Bestow’s case, 10 or 20 years. The premium stays the same for as long as the policy is in force.
Depending on your needs and financial standing, you can purchase between $50,000 and $1 million of coverage. The policies are non-renewable, so at the end of the term, you’ll need to reapply for a new policy.
If you pass away, your beneficiaries will receive a guaranteed death benefit. Once the claim is approved, the North American Company for Life and Health Insurance will wire the funds into your beneficiary’s bank account.
Bestow doesn’t charge annual or cancellation fees, and you can cancel your coverage at any time.
Everyday Life is an online broker that partnered with Legal & General to offer term life insurance. It has a needs-based approach to life insurance and specializes in helping you ladder multiple life insurance policies to match your financial obligations. With this strategy, the term policies expire at the same time as each financial responsibility drops off your list.
Let’s say you’re a parent with student loan debt, young children and a mortgage. You could take out a 10-year policy to cover your debt, a 20-year policy to carry your kids through college and a 30-year policy to line up with your mortgage. That way, your coverage lessens over time, but if you die prematurely, your policies would ease the financial burden on your family, no matter when it happens.
Fabric’s platform is innovative and easy to use, and it offers added-value features — like a free will writing tool. But the insurer has its limitations. If you have complicated life insurance needs, or want to enhance your policy with riders, it may be too simple for you.