Term life for people who hate insurance shopping.
10, 20, or 30-year term. Most applicants qualify without a medical exam. Tax-free payout. Convert to permanent if your needs change.
What's included
Coverage by default
- Level term premium guaranteed for the term length
- Face amount up to $5M
- Convertibility to permanent within 5 years
- Tax-free payout to beneficiary
- Accelerated death benefit (terminal illness)
- Living benefits rider (chronic/critical illness)
- Skip the medical exam for most applicants under 50
- Multiple beneficiaries with split percentages
Why us
What you get with RelyvCover life.
Skip the exam
Our algorithmic underwriting clears 71% of applicants under 50 without a medical exam. Quote → decision in 90 seconds.
No upselling
We don't push permanent or whole life unless you specifically ask. Term is the right answer for most people — we tell you when it isn't.
Transparent renewal
Your premium is guaranteed for the term length. After that, you can renew, convert, or shop — your choice, no penalty.
FAQ
Common questions.
How much coverage do I need?+
10x your annual salary is the rule of thumb for parents with young kids. We give you a personalized calculator in the quote based on debts, dependents, and income replacement years.
Why is term cheaper than whole life?+
Term covers a specific period (10-30 years) with no cash value. Whole life is essentially term + a forced savings account; the embedded investment fees usually make it the wrong choice unless you've maxed out other tax-advantaged accounts.
What if I become a smoker mid-term?+
Your premium is locked for the term length regardless of lifestyle changes after issue. If you quit smoking, you can re-apply for non-smoker rates at any time and get a lower premium.
Ready when you are.
Quote in 90 seconds. No phone calls. No commitment.
Start my life quote