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Life insurance that puts you first with Real Innovation

The traditional life insurance approval process could take weeks to complete—and that’s just the application. It could involve confusing paperwork and long phone calls with agents. At the end of the day, it wasn’t as people-friendly as it could be. We’ve changed that. Real Innovation has redesigned the application process from start to finish, to make sure you always come first. How? By offering flexible coverage options, eliminating unnecessary hassles, giving you access to valuable online tools, and having a team of licensed agents ready to help you through it all. 

We partner with some of the world’s largest and most respected life insurance companies. You’ll receive the dependability of centuries-old industry giants combined with the convenience of a modern technology company. With Real Innovation, the life insurance application process is entirely updated to give you results in minutes (when possible). Once you apply, we analyze your information in real-time against our products to match you with the best policy and price available.

Our Story

Our lead founder, Peter Reierson and his co-founders started forming the Real Innovation concept several years ago with the goal of making life insurance affordable, accessible, and straightforward. While building financial and insurance companies for the past 20 years, he and the team set out to create a user friendly platform for ANYONE seeking a life insurance policy. Most consumers don’t know much about life insurance or have the right coverage to protect their families. Your parent’s life insurance was confusing, expensive, and time consuming. Reierson and team wanted to change that—so they set out to help people protect their families with simple, affordable life insurance. Real Innovation provides affordable life insurance options so people don’t get stuck with policies they don’t need.

It is the objective of Real Innovation to inspire the industry to take more steps towards better protecting people’s lives and their livelihoods. Little acts of kindness can make a big impact on our lives and communities, and so we encourage others to look at the impact they can make.

Coverage You Can Trust

Our policies are insured by established life insurance companies like Americo, Lumico, United & Ethos. You get the dependability of major insurers and the convenience of a modern technology company.

Immediate/Easy Application

Our 100% hassle free process makes it easy to apply with one of our concierge life agents. What used to take weeks can now be done in minutes. Most applicants don’t even need a medical exam.

Expert Unbiased Advice

If you want help, our consultative team of licensed agents is dedicated to finding the right life insurance policy for you.

Flexible Affordable Options

We evaluate your information against our wide range of products in real-time, matching you to a policy that fits your needs with a price that works for you. Get anywhere from $10,000 to $2 million in term life insurance protection with 10, 15, 20, and 30-year terms.

Automated Underwriting

Our simplified underwriting process uses new technology and predictive modeling to provide instant decisions (when possible), with no medical exams for most people. When that isn’t possible, we’ve reduced the time you wait from months to days (or less).


Corporate Address: Real Innovation, Inc., 651 N Broad St Ste 201, Middletown, DE 19709
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