Our Life Covered review
This insurer isn't accepting any more applications — so if you're in the market for a new policy, you'll need to look elsewhere.
finder.com's rating: 4 / 5
- Get a quote if… You’re looking to buy or learn more about term life insurance.
- Choose a different provider if… You’re looking for a permanent policy
18 to 80
$50,000 to $2,000,000
Depends on policy and provider
Medical Exam Required
|Policies||Term life insurance|
|Term lengths||10, 15, 20, 25 or 30 years|
|Medical exam required||Depends on policy and provider|
|Available states||Contact carrier|
|Issue age||Not listed|
- Interactive quotes
- Online guidance
- Solid customer service
- Partners with highly rated carriers
- No permanent policies
- Compares quotes from three insurers
Accelerated death benefit rider
Accidental death benefit rider
Disability income benefit rider
Rhys Subitch is a writer and editor at Finder who tackles topics across the site. With half a decade of experience researching, editing and writing for a Fortune 500 company, university and several independent publications, Rhys brings readers the most up-to-date and curated info on all things finance.
Our Life Covered is an online broker that connects women with top-rated term life insurers. The site is a wealth of information on life insurance, which may be helpful for existing policyholders who want more guidance on life insurance.
However, the company announced it’s no longer accepting applications as of 2021. So, if you’re looking for a new life insurance policy, compare life insurance companies.
This insurer is no longer accepting applications.
This change in operations doesn’t affect existing policyholders — their coverage is still active, and their beneficiaries will be able to file a claim when the time comes.
To compare other insurers by cost, policy length, coverage amount and more, go to our guide to life insurance.
Find other life insurance companies like Our Life Covered
If you’re looking for more options to compare, take a look at these other providers.
Our Life Covered life insurance rates
Your premiums will depend on a number of factors, including your age, gender, state of residence, health history, if you use tobacco and more. The length of your policy and amount of coverage, as well as any riders, will also play a role in determining how much you pay per month.
According to the Our Life Covered website as of June 2019, a 30-year-old female who doesn’t smoke and lives in Washington state can get quoted for a 10-year policy with $150,000 in coverage for $9.23 per month. This considers the best possible underwriting criteria though, and your approval and rates can differ from the quote.
What affects my rate with Our Life Covered?
Underwriting criteria varies among insurers, but some factors are universally considered. Typically anything that affects your odds of passing away also affects your insurance premiums. These are the top five factors that can lower your premium:
- Not smoking or using alcohol
- A clean bill of health
- Applying when younger
- Safe driving habits
- Not participating in high-risk jobs or hobbies
What types of life insurance coverage does Our Life Covered offer?
Our Life Covered is a broker that specializes in helping women to find term life insurance. Terms range from 10 to 30 years, with coverage up to $2 million.
It currently works with three top-rated insurers: Mutual of Omaha, Protective and SBLI..
What riders can I add to my policy?
Each of the insurers Our Life Covered works with offers its own set of riders that you could choose from. These are the most common riders:
- Accelerated death benefit rider. Get an early payout of a predetermined amount if you’re diagnosed with a terminal illness that has a life expectancy of less than one year.
- Accidental death benefit rider. If you die from an accident an additional amount is paid out to your beneficiaries
- Child rider. Children under your care who are financially dependent on you can get coverage, typically up until they’re married or turn 23.
- Disability income benefit rider. Total disability results in a payout over a series of months until your coverage runs out.
- Waiver-of-premium rider. Another type of protection if you become totally disabled. This waives your premiums until you’re deemed fit to work full time again, but continues your coverage as normal.
Our Life Covered reviews and complaints
You won’t find much in the way of online customer reviews for Our Life Covered. The Better Business Bureau rates it an A+, but there are no reviews or complaints logged to date.
Similarly, Trustpilot only offers three reviews — all from 2017. One is a 5 out of 5-star review that’s labeled as a test, one doesn’t seem related to the service and the third is a 1 out of 5-star review that’s since been addressed by Our Life Covered.
|AM Best financial rating||
|Trustpilot score||3.6/5 out of 3 customer reviews|
|Customer reviews verified as of||22 January 2021|
How does Our Life Covered protect my data?
Any information that’s collected by Our Life Covered through its website is done via Secure Sockets Layer (SSL) encryption to keep it safe during transmission. Personal information is also kept safe by Our Life Covered through confidentiality training for its employees, and by its adherence to a policy against releasing customer information that isn’t public.
Information that is shared is only done so with relevant parties, such as service providers, insurance companies, reissuers and wholesalers.
Frequently asked questions about Our Life Covered 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.