Life insurance
without the
runaround.

Get an instant quote and apply online in under 5 minutes. No agents calling you, no medical exams for most policies.

No medical exam
Quote in 60 seconds
A-rated carriers
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Our Products

Coverage for every stage of life

Whether you're protecting your young family or planning your final wishes, we have a policy that fits.

Term Life

Affordable coverage for a specific period. Ideal for protecting your family during your working years.

  • 10, 15, 20, 25 or 30 year terms
  • Coverage from $50K to $2M
  • Level premiums guaranteed
  • No medical exam options available
  • Instant decision for qualified applicants
Starting from
$15 /month

Whole Life

Permanent coverage that lasts your entire life and builds cash value over time.

  • Lifetime coverage — never expires
  • Builds cash value you can borrow against
  • Fixed premiums that never increase
  • Guaranteed death benefit
  • Tax-advantaged growth
Starting from
$85 /month

Final Expense

Simplified coverage to handle funeral costs and final bills, so your family doesn't have to.

  • Coverage from $5K to $50K
  • Simplified health questions — no exam
  • Acceptance guaranteed for ages 50–85
  • Benefits paid within days
  • Premiums never increase
Starting from
$25 /month

How It Works

Get covered in 4 simple steps

No phone calls required. No pushy agents. Just straightforward coverage at honest prices.

1

Choose Your Coverage

Select the product type and coverage amount that fits your needs.

2

Answer a Few Questions

Simple health and lifestyle questions — takes about 2 minutes.

3

Get Your Quote

See your personalized rate instantly. No waiting for callbacks.

4

Apply & Get Covered

Complete your application online and get a decision in minutes.

Why Lucid Brokers

Trusted by families like yours

$0

Service fees — ever

5 min

Average application time

A-Rated

Insurance carrier partners

24/7

Online access to your policy

★★★★★

"I got a $500K term policy for less than my streaming subscriptions. The whole process took less than 10 minutes."

Marcus T.
Father of 2, Dallas TX
★★★★★

"No one called me trying to upsell. I picked my coverage, answered a few questions, and I was done. Refreshing."

Sarah K.
Small business owner, Atlanta GA
★★★★★

"My mom needed final expense coverage. We did it together on her tablet in about 15 minutes. So easy."

James R.
Son & caretaker, Chicago IL

Questions

Frequently asked questions

Most of our term and final expense policies do not require a medical exam. For higher coverage amounts (typically over $1M), some carriers may request basic labs. We'll let you know upfront before you apply.
Many applicants receive an instant or same-day decision. For policies that require additional review, decisions typically come within 1–3 business days. Final expense policies are often approved immediately.
We partner with A-rated, financially strong insurance carriers. As an independent brokerage, we shop multiple carriers to find you the best rate. All carriers are licensed in your state and rated by AM Best.
Yes. All policies come with a free-look period (typically 10–30 days depending on your state) during which you can cancel for a full refund. After that, you can cancel anytime — term policies have no surrender charges.
Absolutely. We use bank-level 256-bit SSL encryption to protect your data. We never sell your information to third parties, and we only share what's necessary with our carrier partners to process your application.
We work with multiple carriers, each with different underwriting guidelines. Even if you have pre-existing conditions, we can often find coverage. Our final expense products have guaranteed acceptance for ages 50–85 regardless of health.

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