Anyone who has shopped for life insurance before knows the typical 4-6-week nightmare that it is.
The worst part? The constant harassing phone calls, the trips out to your doctor’s office, weeks of your time spent just trying to protect your family still doesn’t guarantee you’ll be approved.
That’s why Jenny Life set out to find a better way. We connect customers with a next-generation life insurance solution.
We partnered with Legal & General America to offer the:
APPcelerate Instant Approval Program
Here’s everything you need to know about the program, and a simple checklist to see if you qualify.
Instant life insurance is pretty much exactly what it sounds like – you can get an instant application decision almost immediately after applying online or over the phone – without an exam, a waiting period, or, in some cases, without ever having to talk to a sales agent.
Most people compare it to term life insurance – and for good reason.
The two products are nearly identical.
You still get the same options and coverage types that you would see with a traditional life insurance policy:
The only real differences are:
Let’s take a minute to walk through how this all works.
The first step is getting a free life insurance quote.
With Jenny Life, the process is quick, simple, and only asks a few simple, non-invasive questions.
Expect to share things like your name, your age, gender, and state.
After that, you can customize everything to suit your family’s needs.
Tell us what term length you want, how much coverage, what budget you’re looking for, and how quickly you want to buy.
Our AI technology scans your preferences and pairs you with the best carriers and brands possible.
If you qualify, we’ll immediately send you a link to start your instant approval application.
From start to finish, our proprietary process takes just 15 seconds of your time.
Get a Free Life Insurance
Quote in Seconds
One of the biggest benefits of instant life insurance is how simple and straightforward the process is.
In your application, you’ll…
The carrier will scan the FCRA consumer database check. Medical Information Bureau (MIB). Motor Vehicle Reports (MVR), and Prescription history check for you so you don’t need to worry about having your medical files on hand.
And that’s it!
The process should only take 5-10 minutes of your time.
The cool thing about an instant life insurance policy is that the underwriting process happens in real-time.
As you are answering questions, the AI technology pulls information like your prescription drug history, your driving record, and even looks at your history of applying for life insurance and has made a decision by the time you land on the final page of your application.
The AI gives you one of three possible answers:
Let’s look at each of these together.
Congratulations are in order! Based on your answers, you can finally enjoy some peace of mind knowing your family is protected from life’s most tragic “what if” moments.
All you’ll have to do is sign your policy papers and pay your first premiums (typically online with a debit or credit card) – and voila! Your life insurance policy is officially active.
We hate to see this happen. But just because you were denied doesn’t mean you can’t still get life insurance.
It just means you don’t qualify for an instant life insurance policy.
There are still plenty of affordable life insurance policies to choose from – you’ll just have to go through a traditional application process.
Now, before you start worrying about this process, just know that, here at Jenny Life, our team is trained to handle cases like this.
Our team of licensed agents does the leg work, so you don’t have to.
So if you’ve been denied before (or if you’re worried that you’ll be denied), just give us a call.
Just like getting a “denial” notice, getting a “refer to underwriter” answer isn’t a death sentence for your hopes of getting a life insurance policy.
In fact, a “refer to underwriter” status doesn’t even necessarily mean bad news for your instant life insurance application.
It just means they need an underwriter to collect more information before approving you for your policy.
The life insurance company will take a second look at your application and may request a quick phone call to ask any additional questions before they can offer you coverage.
From there, you’ll either get an approval or denial.
Just don’t forget, if you do get denied, there are still plenty of options for you.
Thanks to our partnership with Legal & General America, Jenny Life offers instant life insurance through its APPcelerate Instant Approval Program.
This program offers term lengths of 10, 20, or 30 years, and up to $1,000,000 in coverage.
Check out a few sample rates below:
Jenny Life: Same Quotes for Males 30 – 39
| $100,000 | $250,000 | $500,000 | $1,000,000 | |
| 30-year-old | $8.43 | $12.81 | $16.87 | $31.99 |
| 31-year-old | $8.44 | $12.81 | $16.92 | $32.03 |
| 32-year-old | $8.46 | $12.81 | $16.95 | $32.03 |
| 33-year-old | $8.48 | $12.81 | $17.20 | $32.03 |
| 34-year-old | $8.50 | $12.81 | $17.20 | $33.80 |
| 35-year-old | $8.53 | $12.81 | $17.42 | $31.99 |
| 36-year-old | $8.53 | $12.81 | $20.42 | $34.57 |
| 37-year-old | $8.84 | $14.19 | $20.81 | $34.74 |
| 38-year-old | $9.05 | $14.83 | $22.36 | $41.71 |
| 39-year-old | $9.30 | $15.05 | $23.65 | $44.29 |
Jenny Life: Same Quotes for Females 30 – 39
| $100,000 | $250,000 | $500,000 | $1,000,000 | |
| 30-year-old | $6.88 | $8.71 | $11.80 | $19.26 |
| 31-year-old | $6.88 | $8.77 | $11.99 | $19.33 |
| 32-year-old | $6.89 | $8.79 | $12.07 | $19.40 |
| 33-year-old | $7.05 | $9.86 | $13.97 | $24.51 |
| 34-year-old | $7.05 | $9.89 | $13.97 | $25.37 |
| 35-year-old | $7.05 | $9.89 | $14.62 | $25.37 |
| 36-year-old | $7.49 | $10.10 | $15.05 | $26.23 |
| 37-year-old | $7.49 | $10.53 | $15.91 | $27.09 |
| 38-year-old | $7.49 | $10.99 | $16.14 | $28.29 |
| 39-year-old | $7.71 | $11.53 | $17.24 | $30.10 |
The best candidates for instant life insurance are young people who are also healthy.
Your health history is the most important contributing factor to your final underwriting decision, so it plays a big part in your approval process.
If you have any pre-existing conditions like heart disease, diabetes, or if you take multiple medications – the chances of your application being referred to an underwriter or denied are higher.
Here’s a breakdown some basic qualifications for instant life insurance.
| BMI | <Under 30 (Check Your BMI here) |
| Blood Pressure | 140/90 or Lower |
| Cholesterol | 120 -300 with or without medication. |
| No Policy Lapse or Replacement | Within the last 6 months |
| Coverage Limits | Up to 40: $1 million; 41 – 45: $750,000 |
In addition, there are a few medical and lifestyle conditions that could disqualify you from the program.
If you think you’re a candidate for the APPcelerate Program, we want to help you save even more time on your application by skipping to the front of the line.
Skip having to shop around for quotes and give our sales team a call today.
Answer a few simple questions over the phone, and they will help expedite your application.
Just click this link or hit the big button below to set up a time today!
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