How To Get The Best No Exam, No Waiting Period, and 100% Online Life Insurance
May 3, 2023

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.

What is “Instant” Life Insurance?

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:

  • Death Benefit – The amount of coverage you’re leaving for your family
  • Term Length – How long you want your policy to last
  • Beneficiary – Who you are leaving money behind for

The only real differences are:

  • Speed – How fast your policy gets issued,
  • Exam – There’s no medical exam,
  • Process – the underwriting and approval process.

Let’s take a minute to walk through how this all works.

How Does Instant Life Insurance Work?

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

Instant Life Insurance’s Easy Online Application

One of the biggest benefits of instant life insurance is how simple and straightforward the process is.

In your application, you’ll…

  • Confirm some basic contact info including your name, address, date of birth,
  • Input some information about your health,
  • Give the insurance company permission to retrieve more information about your background from medical databases.

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.

Instant Underwriting and Approval

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:

  • Approval
  • Denial
  • Refer to an Underwriter

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.

Refer to an Underwriter

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.

What Companies Offer Instant Life Insurance?

Thanks to our partnership with Legal & General America, Jenny Life offers instant life insurance through its APPcelerate Instant Approval Program.

Get an instant life insurance decision with Legal and General America's APPcelerate Program today.

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

Samples only. Prices are subject to change. Based on a non-smoker, 10-year term.

Jenny Life: Same Quotes for Females 30 – 39

Samples only. Prices are subject to change. Based on a non-smoker, 10-year term.

Who Can Apply for Instant Life Insurance?

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.

Do You Qualify for Instant Life Insurance?

Here’s a breakdown some basic qualifications for instant life insurance.

BMI<Under 30 (Check Your BMI here)
Blood Pressure140/90 or Lower
Cholesterol120 -300 with or without medication.
No Policy Lapse or ReplacementWithin the last 6 months
Coverage LimitsUp 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.

Ineligible Medical Conditions

  • Alcohol or drug abuse/treatment
  • Barrett’s Esophagus
  • Blood clotting disorders
  • Bipolar Disorder
  • Cancer (except for Basal or Squamous Cell)
  • COPD/Emphysema
  • Crohn’s Disease
  • Diabetes
  • Heart Disease or heart surgery
  • Hepatitis B or C
  • Muscular Dystrophy
  • Parkinson’s Disease
  • Rheumatoid Arthritis
  • Stroke/Deep Vein Thrombosis/TIA
  • Systemic Lupus Erythematosus (SLE)
  • Ulcerative Colitis
  • Epilepsy/Seizures
  • Gestational Diabetes
  • Multiple Sclerosis (MS)
  • Overactive Thyroid
  • Sleep Apnea

Ineligible Lifestyle Conditions

  • High amounts of debt or delinquent debt
  • Criminal history
  • Low credit score
  • Evictions
  • Multiple infractions on driving record (including a DUI conviction)

Get a Head Start On Your Instant Life Insurance Application

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!