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LeapLife review 2020

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Get matched with an insurance provider and policy tailored to your specific situation.'s rating: 4 / 5


  • Get a quote if you want help finding the best life insurance policy for you.
  • Choose a different provider if you live in New York or Massachusetts or want to work directly with a company.

18 to 75

Issue Age

$100,000 to $5,000,000


Depends on provider and policy

Medical Exam Required


Free quote Phone, Online form
Monthly cost As low as $14 per month
Policies Term Life, Accidental Death, Whole Life, Universal Life
Coverage maximum $5,000,000
Term lengths 10, 15, 20, 30 (years)
Riders Accelerated death benefit rider, Child rider, Disability income benefit rider, Waiver-of-premium rider
Medical exam required Depends on provider and policy
Available states Currently unavailable in New York
Issue age 18 - 75 years old

Expert review

Julia Cameron

Review by

Julia Cameron is a writer and editor who has experience in finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

Expert review

LeapLife is a new company that cuts down on some of the legwork by connecting you with quotes from six top-rated life insurance companies. It’s seen zero complaints since going into business in 2017, and great reviews on TrustPilot. However, if you suffer from a pre-existing condition, like kidney disease, you may find better rates and more benefit options by going direct.

What types of life insurance coverage does LeapLife offer?

LeapLife is not a direct insurance underwriter. Instead, this company matches you with the life insurer that best suits your situation. Because LeapLife works with six main insurance companies, you’ll have access to all of the standard life insurance coverage, including:

  • Level term. A level term policy guarantees that your premium remains the same throughout the duration of your policy. The policy expires at the end of the term and no benefits are paid out if you outlive that term.
  • Accidental death. This is usually the least expensive option. Like a term policy, accidental death is for a set period of time. But the policy only pays out in the event of an accidental death and typically doesn’t cover death from an illness.
  • Whole. A whole policy covers you for life and your premiums will remain the same throughout the policy.
  • Universal. Universal life insurance also covers you for life, but offers more flexibility. With a universal policy, you can increase or decrease your death benefits and adjust your premiums accordingly.

What riders can I add to my life insurance policy?

The insurance provider you get matched up with will determine what riders you might be able to add to your policy. Some of the most common include:

  • Accelerated death benefit rider. If you’re diagnosed with a chronic, critical or terminal illness, this rider allows you to tap into your benefits before death.
  • Child rider. This allows you to add term life insurance for your children.
  • Waiver-of-premium rider. With this benefit, if you’re disabled or lose income because of an injury or illness, you will no longer have to pay your premiums.
  • Disability income benefit rider. This benefit supplies supplementary income in the event you are completely disabled.

What affects my rate?

The cost of your policy will be determined by several factors, including what type of coverage you’re applying for, your gender, age and the coverage amount. Other factors that affect the cost include:

  • Medical history
  • Family health history
  • Nicotine use
  • Hobbies
  • Occupation

Pros and cons


  • Flexibility. Apply online and get a decision instantly, or speak with one of LeapLife’s specialists to get guidance selecting a policy tailored to your needs.
  • More options. Because LeapLife works with a number of providers, you’ll have access to many types of policies and add-on options.
  • Curated providers. LeapLife only works with insurance providers that have been rated “Excellent” or “Superior” with AM Best.


  • NY and MA excluded. LeapLife’s services are unavailable to residents in New York and Massachusetts.
  • Limited options for pre-existing conditions. The amount of carriers available to you will vary significantly if you have a pre-existing condition, such as kidney disease.

Compare other life insurance companies

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
This life insurance broker combines technology and the human touch to match you with a policy tailored to your needs.
21 - 54 years old
10 or 20 years
Affordable 10- and 20-year term life insurance policies with instant quotes and no medical exams.
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.
Everyday Life
20 - 75 years old
10, 15, 20, 25 or 30 years
Build a customized laddering strategy to target specific financial responsibilities and save on term life.
25 - 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.

Compare up to 4 providers

LeapLife reviews and complaints

LeapLife is accredited with the BBB and receives an A+ rating from the organization. Currently, LeapLife has zero complaints and zero reviews with the BBB.

On TrustPilot, 89% of 63 reviews fall into the “Excellent” category, with a TrustScore of 9.2/10.

How does LeapLife protect my data?

LeapLife uses physical, administrative and technological safeguards to protect your data. However, LeapLife notes that “no system is impenetrable.” If any of your data is compromised, LeapLife will notify you, investigate the breach and follow all applicable laws and regulations.

Personal information that could be collected by LeapLife includes your name, email address, phone number, your employer, income and health insurance coverages. LeapLife might share this info with underwriting, third parties and service providers that perform services for LeapLife, companies owned by LeapLife and third parties whose products or services you might be interested in.

How do I sign up?

To get a free quote, you can either give LeapLife a call or fill out some info online. Follow these steps to get an online quote:

  1. On LeapLife’s homepage, click Get Your Quote or Get Started.
  2. Fill out information about yourself like age, height, weight, gender, where you live and whether you smoke. Then click Get Your Rate.
  3. You’ll then be asked if the policy is for you or someone else, whether you’re a citizen or green-card holder, and questions about your health. Click Next.
  4. Answer questions about risk factors such as DUI, medications, bankruptcy and dangerous hobbies. If you’re taking any prescription medications, you’ll be asked to enter those on the next page.
  5. You’ll then be presented with quotes that you can customize. If you’re happy with the quote you’ve selected, continue to the application process, where you’ll answer questions about basics, health, lifestyle and payment.

I’ve signed up. What happens next?

Approval can be instant when you apply online, or it may take longer when applying over the phone.

Once you are approved, set up your online account, if one is available for your policy. There you can manage your policy and possibly set up auto-pay to ensure payments are made on time.

More about LeapLife

LeapLife has been in operation since 2017. It matches its customers with life insurance policies that fit their situation and needs. It serves all US states except New York and Massachusetts.

While it’s a good way to compare six providers at once, make sure you’re getting the best possible policy by comparing life insurance providers on your own.

Frequently asked questions about LeapLife

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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