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Effortless life insurance 2021

This marketplace does some of the research for you by comparing 50 life insurance carriers.'s rating: 3.5 / 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 No info available

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.

Effortless life insurance rates

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 $500,000, 20-year term life policy as an example. According to Effortless, a healthy, 30-year-old female might pay $16 a month for a traditional policy. If she opts for a no-exam policy, the price might increase to $20. Men tend to pay slightly more for life insurance. A 30-year-old male could expect to pay $19 for a traditional policy, or $24 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.

What affects my rate with Effortless life insurance?

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.

How do I get a quote from Effortless life insurance?

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 for Effortless life insurance. 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.

What types of coverage does Effortless life insurance 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 Effortless life insurance 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

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.

AM Best financial rating Not Rated
BBB accredited No
BBB rating Not Rated
Customer reviews verified as of 19 January 2021

Get quotes from companies like Effortless life insurance

Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
18 - 60 years old
5, 10, 15, 20, 25 and 30 years
Compare 40+ insurers and apply online to get the lowest possible price — no medical exam required.
Policygenius - Life Insurance
18 - 85 years old
10, 15, 20, 25, 30 years
Depends on provider and policy
Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.
18 - 60 years old
10, 15, 20, 25, 30 years
Get a quote in less than 10 minutes with on-the-spot approval and no medical exam.
Everyday Life
20 - 75 years old
10, 15, 20, 25, 30, 35 and 40 years.
Ladder multiple life insurance policies to save on the coverage you need for all your debts.
20 - 60 years old
10, 15, 20, 25 or 30 years
No, for coverage up to $3M
Apply for term life insurance online without the medical exam. Get an instant decision and adjust your coverage at no charge.

Compare up to 4 providers

Frequently asked questions about Effortless life insurance

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.

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