Term Life Insurance

Term life insurance or mortgage protection insurance is crucial for individuals who have financial obligations, such as a mortgage or dependents, and want to ensure their loved ones are financially protected in the event of their untimely demise. Term life insurance provides coverage for a specified period, typically aligning with the duration of a mortgage or the years until dependents become financially independent. It offers a death benefit that can be used to pay off outstanding debts, including a mortgage, and provide ongoing financial support for loved ones.

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By submitting this form, I consent to receive phone calls, emails and text messages from or on behalf of Real Innovation using an automatic telephone dialing system or an artificial or prerecorded voice, regarding Real Innovation's and its affiliates’ products and services, at the phone number(s) above, including my wireless number if provided, even if I am on a federal, state, or internal do-not-call registry. I understand that consent is not required to make a purchase and that I may call 800-959-3848 / 866-311-3140 to request a free quote and make a purchase without submitting this request and consenting to such communications. Standard messaging and data rates apply for text messages. By submitting this form, I also agree to this website’s Privacy Policy, Terms of Use, and TCPA and Internal Policy.

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FAQ

We’ve got the information you need to answer your insurance questions and concerns from unbiased life insurance professionals.

Who Needs Life Insurance?

Life Insurance can safeguard your business or family’s financial future should you pass away. It can also help to secure a more comfortable retirement when you leave the workforce or offset the costs of Long Term Care when you are older. There are many reasons to purchase life insurance but, above all else, it provides peace of mind for you and those you love.

Homeowners – If you’ve purchased a home, life insurance is a great option to help cover the expense of a mortgage payment. This will also help support any co-signers on your home in the event that you unexpectedly pass away.

Breadwinners – Life insurance can help your loved ones pay for living expenses, tuition, debts, and other expenses your income supported.

Parents – Whether you work or stay at home, you’re responsible for taking care of your children. Especially if you’re a single parent, life insurance can provide ﬁnancial stability to your children should something happen to you and help cover the costs of living, education, and more.

You’re Married – If you’re married or have a domestic partner, life insurance can protect your loved one and the life you’re building together. It can help cover your lost income and shared expenses such as credit card balances, car loans, and monthly rent, so you leave your partner in a good ﬁnancial situation.

Individuals with Debt – Even if you’re single with no children, life insurance can be a good idea if you carry debt. Some student loans won’t be discharged due to bankruptcy or death, so coverage can help alleviate the ﬁnancial burden on your family.

Business Owners – Life insurance can also protect your business. It can be used to pay oﬀ your business debts or help the company stay aﬂoat while they learn to get along without you.

End-of-Life Expenses – Small life insurance policies can pay for your funeral and ﬁnal expenses so that burden isn’t left to your family.

You’re Single – In addition to protecting your family from inheriting your debt, life insurance can help provide support for anyone that depends on you, like aging parents or siblings. You may also want to consider buying life insurance while you’re young so that by the time you need it, you do not have to pay more due to your age.
How Do I Know What Kind of Insurance I Need?

There are many kinds of life insurance, such as term, permanent or whole life, final expense and others. If you don’t know which is right for you, our coverage estimator uses a few questions to learn about your needs and recommends the right product for you.

Or, if you want more help, our licensed agents can offer information on the special features and beneﬁts so that you can understand the diﬀerences and determine what’s right for you.
How Does Real Innovation Make It Simple?

We’ve modernized the process. Our coverage estimator asks a few health and value questions and analyzes your information in real-time against our products to match you with the best policy and price available. Most of our products don’t require a medical exam. And we have a team of licensed agents ready to help you through it all.

Real Innovation oﬀers both simpliﬁed issue and fully underwritten life insurance policies.

Simpliﬁed issue/No exam – Most of our term policies are simpliﬁed issue, meaning the application process and underwriting decision come instantly based solely on third-party data and the applicant’s responses to health questions within the application. No medical exam is necessary. Simpliﬁed issue underwriting may be right for you if you might not qualify for a traditionally underwritten policy, you want a simple process without medical exams or lab tests, or you thought you couldn’t get life insurance because of your age or health.

Fully underwritten – We also oﬀer fully underwritten policies, a more traditional method that historically includes a complete application and medical exam, but might offer lower rates. Fully underwritten policies may be right for you if you’re in good health, you’re looking for life insurance with a higher death beneﬁt, or you don’t mind a longer application process that might result in lower premiums.
How Much Do I Need?

There are many reasons to purchase life insurance. It can be used to replace income or cover expenses, like your mortgage or college education, if you pass away. It can also be used to provide retirement income or protect a business. If you’re not sure how much you need, we can help.
Can I Get Insurance Without an Agent?