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.

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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
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Whole Life

Permanent coverage that lasts a lifetime and builds cash value. Ideal for estate planning and lifelong protection.

  • Lifetime coverage — never expires
  • Builds cash value you can borrow against
  • Fixed premiums that never increase
  • Guaranteed death benefit
  • Tax-advantaged growth
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Final Expense

Simplified coverage for funeral and end-of-life expenses. Ideal for ages 50 to 85, no medical exam required.

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

Why families choose Lucid Brokers

$0

Service fees — ever

5 min

Average application time

A-Rated

Insurance carrier partners

24/7

Online access to your policy

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.
Term life covers you for a set period (10–30 years) and is the most affordable option. Whole life covers you for your entire lifetime and builds cash value over time, but costs more. Term is ideal if you want maximum coverage at the lowest price, while whole life is better for lifelong protection and wealth transfer.
Not necessarily. Many of our carriers offer no-exam policies that can be approved in minutes. Availability depends on your age, health, and the amount of coverage you're applying for. Final expense policies never require an exam.
A common guideline is 10–12 times your annual income, but the right amount depends on your debts, dependents, and financial goals. Consider covering your mortgage, children's education, and at least 5–10 years of your family's living expenses. Our quoting tool lets you compare rates at different coverage amounts to find what fits your budget.
Most policies include a 30-day grace period during which your coverage stays active. If you pay within that window, nothing changes. If you miss the grace period, your policy may lapse, but many carriers offer reinstatement options within a certain timeframe.

Product Details

A closer look at each product

Read the full details on what each policy covers, who it’s built for, and when it makes sense.

Term Life Insurance

Affordable, temporary protection that pays a tax-free benefit to your loved ones if you pass away during the term. Premiums lock in at signup and never increase. When the term ends, coverage stops — making term the most cost-effective way to get a large benefit during the years your family needs it most.

Best for
  • Young families with kids still at home
  • Replacing your income while you’re working
  • Covering a 15–30 year mortgage
  • Funding kids’ college if you’re not around
  • Protecting a stay-at-home parent’s contribution
Get a Term Life Quote →

Whole Life Insurance

Permanent life insurance that never expires and builds tax-deferred cash value you can borrow against. Premiums and benefits are locked for life. It costs more than term, but it pays out a guaranteed benefit no matter when you pass — so it doubles as both protection and a long-term financial asset.

Best for
  • Estate planning and wealth transfer
  • Leaving a guaranteed legacy to heirs
  • Supplementing retirement with cash value
  • Lifetime coverage for a special-needs dependent
  • Locking in coverage if you have health concerns
Get a Whole Life Quote →

Final Expense Insurance

A smaller-benefit whole life policy designed specifically for ages 50–85. It skips the medical exam, asks only basic health questions, and pays out within days — so loved ones can cover funeral, burial, and last bills without dipping into savings or scrambling for cash.

Best for
  • Adults 50–85 without existing coverage
  • Covering funeral and burial costs (avg. $7K–$15K)
  • People declined elsewhere for health reasons
  • Avoiding leaving debt or final bills to family
  • Locking in a rate while you’re still relatively healthy
Get a Final Expense Quote →

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