Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Effortless life insurance review 2021

Last updated:  

This marketplace does some of the research for you by comparing 50 life insurance carriers.'s rating: 3 / 5


  • Get a quote if… You want to compare quotes from a range of carriers now, or if you’re a high-risk individual who wants to get a good deal on a life insurance policy.
  • Pick something else if… You’re interested in a whole or variable life policy.

18 to 80

Issue Age

$25,000 to $10,000,000


Depends on policy

Medical Exam Required


Policies Term, Return of Premium, No-Exam, Final Expense, Universal Life
Coverage maximum $10,000,000
Term lengths 10, 15, 20, 25 or 30 years
Medical exam required Depends on policy
Available states Nationwide
Issue age Not listed


  • Access to 50 insurers
  • Quick quotes
  • Free service
  • Caters to all applicants


  • Quotes aren’t anonymous
  • Can be unresponsive
  • Small online presence
Riders Accelerated death benefit rider
Accidental death benefit rider
Child rider
Conversion rider
Disability income benefit rider
Return-of-premium rider
Term insurance rider
Waiver-of-premium rider

Expert review

Katia Iervasi

Review by

Katia Iervasi is a staff writer who hails from Australia and now calls New York home. Her writing and analysis has been featured on sites like Forbes, Best Company and Financial Advisor around the world. Armed with a BA in Communication and a journalistic eye for detail, she navigates insurance and finance topics for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

Expert review

Effortless is a useful one-stop-shop to compare over 50 carriers. The system spits out a range of quotes in less than a minute, and caters to those who struggle to find coverage elsewhere. But the marketplace doesn’t include whole or variable life policies, and there aren’t many customer reviews online.

As always, it’s worth comparing life insurance companies on your own.

What types of life insurance does Effortless offer?

Effortless doesn’t sell life insurance. Run by brokers, it’s a marketplace that works with over 50 carriers to help its customers to compare policies. It represents big-name insurers like Prudential Financial, Protective Life, Met Life, TransAmerica, Principal Life and Legal & General.

On the site, you can apply for a range of coverages with a face value between $25,000 and $10 million:

  • Term life insurance. The cheapest policy, term life offers protection for a set period of time and pays out a death benefit if you die during that term. Effortless provides quotes for 10-, 15-, 20-, 25- and 30-year policies.
  • Return of premium (ROP) life insurance. The marketplace provides quotes for 15-, 20-, 25- and 30-year Return of Premium policies. If you outlive your policy, you’ll get a tax-free refund on the premiums you paid. If you die, your beneficiaries will receive a death benefit.
  • No-exam life insurance. If you want or need coverage now, you can apply for a simplified issue or guaranteed issue policy. Effortless represents insurers that offer no-exam policies with a face value between $25,000 and $500,000, and the policies are typically issued within two days.
  • Universal life insurance. This policy provides lifetime coverage and becomes a cash asset over time. The premium payments are flexible, which is appealing to those who foresee income fluctuations or can’t commit to paying the same amount of money every month. You can adjust the death benefit, too, and tap into the cash value of the policy during your lifetime.
  • Final expense policies. These policies are designed to take care of end-of-life expenses, such as medical bills, burials and funerals. Effortless works with companies that offer final expense policies to those between the ages of 50 and 85, with a face value of $5,000 to $50,000.

What riders can I add to my policy?

Depending on the insurer you go with, you may be able to dress up your policy with the following riders:

  • Waiver-of-premium rider
  • Disability income benefit rider
  • Accelerated death benefit
  • Accidental death benefit rider
  • Return-of-premium rider
  • Child rider
  • Conversion rider
  • Term insurance rider

How much does Effortless life insurance cost?

The rates vary between insurers, and reflect the age, location, gender and health of the policyholder. However, Effortless has a range of sample rates on its site.

Let’s use a $250,000, 15-year term life policy as an example. According to Effortless, a healthy, 30-year-old female might pay $10.10 a month for a traditional policy. If she opts for a no-exam policy, the price might increase to $11.65. Men tend to pay slightly more for life insurance. A 30-year-old male could expect to pay $10.67 for a traditional policy, or $14.14 if he forgoes the medical exam.

Remember, these rates are based on sample data. To get a better idea of how much you’ll pay, enter your details on the site to get a quote.

How do I get a low rate?

Young, healthy applicants often get the cheapest rates. But insurance companies place their own emphasis on things like height, weight, tobacco use and family medical history.

To reach the highest rate class, you’ll typically need to meet these requirements:

  • Good health. If you’re healthy and take no medications, you’ll pay less than someone with high cholesterol, high blood pressure, diabetes, heart disease or other major health conditions.
  • Non-smoker. Smoking is linked to health issues and a decreased lifespan, so you’ll need to prove you’ve been a non-smoker for three to five years — depending on the carrier. Most insurers will allow a celebratory cigar per month, but that’s it.
  • Safe occupation and hobbies. People with dangerous jobs and hobbies tend to pay higher premiums. So, if you’re a pilot or firefighter, or spend your spare time skydiving or bungee jumping, you can expect to pay more for life insurance.

Compare other life insurance companies

Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
18 - 100 years old
5, 10, 15, 20, 25 and 30 years
This life insurance broker combines technology and the human touch to match you with a policy tailored to your needs.
20 - 60 years old
10, 15, 20, 25 or 30 years
Depends on policy
Term life insurance with no policy fees and a simple application process that can get you approved for coverage instantly.
21 - 60 years old
10, 15, or 20 years
Depends on policy
Get affordable term life insurance with accelerated underwriting or no-exam coverage up to $1,000,000. Available in all states except CA, NY and MT.
18 - 85 years old
10, 15, 20, 25, 30 years
Depends on provider and policy
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
21 - 54 years old
10 or 20 years
Affordable 10- and 20-year term life insurance policies with instant quotes and no medical exams.

Compare up to 4 providers

Effortless life insurance reviews and complaints

Effortless doesn’t have a presence on the BBB or consumer review sites like TrustPilot. On Google, it has a near-perfect rating and glowing reviews about the site’s personalized service and ability to provide online quotes for independent contractors and no-exam policies. There are only a handful of reviews, though, and Google is generally a less credible source than the BBB.

How do I apply for life insurance with Effortless?

These are the steps to get a quote:

  1. Go to the Effortless website. On the homepage, click Get started.
  2. Select your state, birthdate, gender and smoking status. Choose the type of insurance and face value you’re after.
  3. Enter your full name and email address. Tap Get quotes.
  4. A list of quotes will pop up from the cheapest to most expensive. To adjust your coverage, make new selections and click Recalculate. If you see a quote you like, click Apply now.
  5. Type in your contact details and add any comments. Press Send request.

I’ve signed up. What happens next?

Once you’ve chosen a carrier, a broker will help you to complete the application and schedule your medical exam if you need one. Effortless then sends your application to the insurance provider, who contacts you directly about the next steps.

Frequently asked questions

Life insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.

Learn more about our methodology here.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site