Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

Everyday Life insurance review 2021

This fintech startup encourages people to ladder policies so they only buy the coverage they need.'s rating: 4.5 / 5


  • Consider Everyday Life if … you want to ladder multiple policies to suit your financial obligations.
  • Look elsewhere if… you’re in the market for a permanent policy.

20 to 75

Issue Age

$100,000 to $10,000,000



Medical Exam Required


Policies Term
Coverage maximum $10,000,000
Term lengths 10, 15, 20, 25, 30, 35 and 40 years.
Medical exam required No
Available states All states & DC
Issue age 20 - 75 years old


  • Customizable coverage
  • Lenient underwriting
  • Range of term life lengths
  • Accelerated application
  • Ability to adjust coverage


  • No permanent policies available
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

Everyday Life is among the sea of fintech startups that offer term life insurance online. But it stands out for being the only online broker that promotes a laddered strategy and offers quotes to support that.

While it’s partnered with seven top insurers, it’s worth comparing life insurance companies on your own to ensure you’re getting the best policy for your needs.

What affects my rate with Everyday Life insurance?

Everyday life partners with multiple insurers, many of which are known for competitive rates. Some partners caters to seniors, smokers and people with pre-existing conditions.

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

  • Health. If you have low cholesterol levels, normal blood pressure and a healthy height for your weight, you’ll likely score a low rate. The insurer also requires your parents and siblings to have no family history of cardiovascular disease before age 60.
  • Driving record. If your record is free from DUIs and DWIs, and you have less than three moving violations in the past two years, you could qualify for the lowest rates.
  • Alcohol and substance use. You’ll need to prove you haven’t abused alcohol or illegal substances in the past 10 years.

How to get a quote from Everyday Life insurance

It takes around five minutes to get a recommended coverage plan and quote, and learn if you qualify for coverage. Head to Everyday Life’s site and follow these steps:

  1. On the homepage, click Get Started.
  2. Indicate whether you have financial dependents and answer basic questions about their age, work status, and so on.
  3. Enter your age, gender, state and level of health.
  4. Provide basic financial information, including your gross income, retirement accounts, savings and debt, if any.
  5. The system generates a personalized coverage plan and initial price quote, and you can adjust the term length and coverage amount as needed. Once you’re happy with the quote, click Next to confirm and begin your application.
  6. Type in your name and email address to save your progress.
  7. Answer six questions about your height and weight, family medical history, nicotine use and driving record.
  8. The system then provides an updated quote based on those factors, and asks for your phone number and ZIP code.
  9. Everyday Life then reviews your request and follows up with the next steps, which may be a link to an online application.
Get quotes from Everyday Life

What types of life insurance coverage does Everyday Life offer?

Everyday Life is an online broker that partnered with multiple insurers to offer term life insurance. It has a needs-based approach to life insurance and specializes in helping you ladder multiple life insurance policies to match your financial obligations. With this strategy, the term policies expire at the same time as each financial responsibility drops off your list.

Let’s say you’re a parent with student loan debt, young children and a mortgage. You could take out a 10-year policy to cover your debt, a 20-year policy to carry your kids through college and a 30-year policy to line up with your mortgage. That way, your coverage lessens over time, but if you die prematurely, your policies would ease the financial burden on your family, no matter when it happens.

Everyday Life insurance reviews and complaints

Everyday Life holds a high rating with the Better Business Bureau, and scores high marks on TrustPilot, as of October 2020. Customers commented on the personalized service they received, as well as the user-friendly platform and reasonable rates.

BBB accredited Yes
BBB rating A
Customer reviews verified as of 15 October 2021

Compare other life insurance companies like Everyday Life

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.
JRC Life Insurance
18 - 85 years old
10, 15, 20, 25, 30, 35, 40 years to lifetime/age 121
May be required
Compare policies up to $10 million from 45+ top insurance companies with the click of a button.

Compare up to 4 providers

Which life insurance companies does Everyday Life work with?

The broker works with multiple top insurers, including Assurity, Banner Life, Fidelity Life, Legal & General, Prudential SBLI and William Penn. Formerly known as Banner Life, it offers term life insurance spanning 10, 15, 20, 25, 30, 35 or 40 years, with up to $1 million in coverage. It has an A+ rating with AM Best, which means it has the cash reserves to pay out claims, and holds an A+ rating on the Better Business Bureau for its customer interaction.

More about Everyday Life

Everyday Life was founded in 2018 by CEO Jake Tamarkin and CTO Dipali Trivedi. Based in Boston and backed by DCU FinTech, Global Insurance Accelerator and Village Capital, the startup aims to make the life insurance buying process easier and less confusing for consumers. The company specializes in selling term life insurance from multiple insurers.

The company donates a portion of every commission to organizations that align with its mission to support working families.

Frequently asked questions about Everyday 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.

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