The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site. Advertising Disclosure

Everyday Life Insurance Review 2023

Available in most states, Everyday Life is a life insurance broker that helps applicants find term, whole, and accidental death life insurance policies. Thanks to an easy, completely online application (which may require a medical exam), most applicants can apply for term coverage of $5,000 to $2 million in as little as three minutes.

everyday logo Back to Top


  • 30-day money-back guarantee on most policies
  • Apply for nine different policies with one easy application
  • Term, Whole, and Accidental Death life insurance policies available
  • Coverage starting as low as $6.91/month

Why Everyday Life Insurance?

We recommend Everyday Life to people who are new to life insurance and might not yet know which policies are right for them. Everyday Life has an easy online application: in just about three minutes, applicants can apply for nine different life insurance policies including term, whole, and accidental death policies. After applying, applicants can see all of the policy details for their approved plans—including pricing information, coverage amounts, and more—making it easy to compare each plan and find the best deal.

Pros & Cons

Pros Cons
Speedy application acceptance, with most applicants hearing back in 20 minutes Some applicants may be required to get a medical exam
Nine available policies, accessible from one application
Term, whole, and accidental life insurance policies available

Everyday Life Insurance Policies

Everyday Life offers nine different life insurance policies, offered by a variety of life insurance companies. For simplicity’s sake, we’ll divide the policies by category: term, whole, and accidental death.

Term Life Insurance

A term life insurance contract pays a coverage amount to a policyholder’s friends and family (called “beneficiaries”) in the event of the policyholder’s death. If the policyholder dies after the contract’s term ends, the policyholder’s beneficiaries do not receive the coverage amount.

Everyday Life’s partners offer four term life insurance policies:

  • RAPIDecision® Life from FidelityLife
    • Age availability: 18 to 65
    • Coverage amounts: $50,000 up to $2 million
    • Term lengths: 10-, 15-, 20-, and 30-year terms
  • OPTerm from Legal & General
    • Age availability: 20 to 75
    • Coverage amounts: Starting at $100,000
    • Term lengths: 10-, 15-, 20-, 25-, 30-, 35-, and 40-year terms
  • Term Life from SBLI
    • Age availability: 18 to 55
    • Coverage amounts: $50,000 up to $1 million
    • Term lengths: 10-, 15-, and 20- year terms
  • TruStage® Term Life Insurance from TruStage
    • Age availability: 18 to 69
    • Coverage amounts: $5,000 up to $300,000
    • Term lengths: Coverage until age 80

Whole Life Insurance

Unlike term life insurance, whole life insurance lasts for a policyholder’s entire life. As long as policyholders make their premium payments on time, their beneficiaries are likely to receive the coverage amount when the policyholder dies.

Some whole life insurance policies also carry a cash value component, in which portions of a policyholder’s premium payments accrue in a savings account. This money can usually be used any way the policyholder likes, at any time.

Everyday Life’s partners offer four whole life insurance policies:

  • RAPIDecision® Simplified Issue Final Expense Whole Life from FidelityLife
    • Age availability: 50 to 85
    • Coverage amounts: $5,000 up to $35,000
  • RAPIDecision® Guaranteed Issue Graded Benefit Whole Life from Fidelity Life
    • Age availability: 50 to 85
    • Coverage amounts: $5,000 up to $25,000
  • TruStage® Advantage Whole Life Insurance from TruStage
    • Age availability: 50 to 85
    • Coverage amounts: $5,000 up to $100,000
  • TruStage® Guaranteed Acceptance Whole Life Insurance from TruStage
    • Age availability: 45 to 80
    • Coverage amounts: $2,000 up to $20,000

Accidental Death Life Insurance

With accidental death life insurance, a policyholder’s beneficiaries receive a coverage amount if the policyholder dies, is paralyzed, disabled, or otherwise severely injured by a scenario mentioned in the policyholder’s contract.

Accidental death life insurance is typically the least expensive form of life insurance.

Everyday Life’s partners offer one whole life insurance policy:

  • Accidental Death Insurance by Assurity
    • Age availability: 18 to 60
    • Coverage amounts: $50,000 up to $350,000
    • Term lengths: Available until age 80

What Does Life Insurance from Everyday Life Cover?

Everyday Life’s partner policies protect a policyholder’s beneficiaries in the event of their death.

Important policy details—including important details such as exceptions and annulment scenarios—vary by policy. For the most accurate information regarding your policy of choice, see the Everyday Life website.

Where is Everyday Life Available?

Everyday Life brokers a variety of policies from trusted life insurance policies, not all of which offer nationwide availability. To see if your desired policy is available in your state, we recommend you get a quote directly from Everyday Life’s website.

Customer Complaints and Satisfaction

Everyday Life is verified by TrustPilot with a rating of 4.4/5 (considered “Excellent”).

How Much Does Everyday Life Insurance Cost?

Life insurance policies are priced differently for every applicant, as pricing is based on an applicant’s personal details. Pricing may change based on an applicant’s overall health, BMI, nicotine use, salary, birth gender, and other factors.

The following sample pricing is based on a fictional applicant with these features:

  • Policy: OPTerm from Legal & General
  • Zip Code: 60614 (Chicago, Illinois)
  • BMI: 21.5
  • Health History: No history of illness/ailment
  • Nicotine Use: Never
  • Employment Status: Employed
  • Annual Income: $55,000
  • Marriage Status: Single

$500,000 Coverage (except 55)

Age Amount Policy Female Male Medical Exam?
25 $500,000 15-year term $16.04/mo $19.00/mo Yes
35 $500,000 15-year term $17.73/mo $20.27/mo Yes
45 $500,000 15-year term $33.54/mo $40.55/mo Yes

$1,000,000 Coverage (except 55)

Age Amount Policy Female Male Medical Exam?
25 $1 million 15-year term $23.62/mo $31.03/mo Yes
35 $1 million 15-year term $28.68/mo $37.14/mo Yes
45 $1 million 15-year term $60.72/mo $75.15/mo Yes

For pricing accurate to your personal details, we recommend you get a life insurance quote directly from Everyday Life’s website.

How to Buy Life Insurance from Everyday Life

It only takes a few steps to sign up for life insurance with Everyday Life:

  1. Apply: Apply completely online, usually in three minutes.
  2. Choose: If accepted, select your preferred life insurance policy. (Note: some policyholders may be required to take a medical exam before signing).
  3. Sign and Activate: After choosing your top policy, sign and activate your coverage.

Everyday Life Insurance FAQs

Who is Everyday Life Insurance?

Everyday Life is a life insurance broker that partners with a number of trusted life insurance companies including Fidelity Life and Legal & General.

How Do I Apply for a Policy?

Applicants can apply for a life insurance policy on Everyday Life’s website using the site’s easy online application.

Bottom Line

We recommend Everyday Life for anyone new to or unfamiliar with life insurance. Everyday Life makes it extremely easy to sign up for one of nine partner policies, all with just one application. Applicants even have multiple policy options, including term, whole, and accidental death life insurance.

Frequently Asked Questions (FAQ)

To find a life insurance provider that works well with your needs, try to focus predominantly on your budget. How much coverage are you looking for? What is your monthly budget for premium payments? After asking yourself questions like these, request quotes from the providers in our list. Quotes are typically free, so you can directly compare one provider’s pricing and coverage with another’s.
Life insurance can matter in your 20s or 30s depending on two variables: the debts you owe and the people who depend on your income. Let’s provide two examples. Debt can fall onto loved ones from even an early age, as with students who have a parent co-sign on a student loan. In the event of the student’s death, the student loan debt would pass onto their parent. If a couple purchases a property, both partners may depend on each other’s combined income to pay off the mortgage.
Most employer-funded life insurance policies only cover 1x–2x an employee’s annual salary. For individuals who help fund others’ standard of living, this benefit amount is simply not enough to protect loved ones. Additionally, a life insurance policy is typically voided if the employee is fired or quits, making this life insurance policy much more fragile than a third-party life insurance policy.
Whatever your beneficiaries want. Beneficiaries will commonly use life insurance payouts to continue to pay off a mortgage, pay for education, or pay everyday living expenses.