LeapLife makes finding life insurance easy. Answer a few quick questions and get matched with life insurance policy quotes that meet your specific needs.

Visit Website
InsuranceRanked Score 4.62
Year Founded 2016
Medical Exam Required? In Some Cases

LeapLife 2022 Review

LeapLife screen shot

LeapLife, powered by Even Financial, is an insurtech platform and digital life insurance agency licensed in all 50 U.S. states. If you are looking for a fully digital, end-to-end life insurance application experience, along with live agent support when you need it, LeapLife is the only platform offering both options online for term life policies that includes a marketplace of multiple top life insurance carriers.

We were impressed with how fast and easy it is to get matched with and compare personalized life insurance policy quotes on LeapLife. In this guide, we will cover everything you need to know about shopping for term and whole life insurance through LeapLife, how to ultimately apply for a policy with one of their carrier partners, and more.

How Does LeapLife Work?

LeapLife is a digital life insurance search engine and licensed life insurance agency owned and powered by Even Financial, a B2B fintech company that is transforming the way financial institutions find and connect with consumers. LeapLife has an A+ rating with the Better Business Bureau and an Excellent rating with Trustpilot.

LeapLife is available for U.S. citizens ages 18 to 75, offering users the ability to get matched with personalized life insurance policy quotes for term life insurance through their fully digital platform. Applicants interested in whole and universal life insurance policies will be able to get matched with policy quotes through LeapLife, but will have to speak to a LeapLife licensed agent over the phone as part of the quote and application process.

Term life policies, the most popular option for LeapLife users, provide a death benefit to the beneficiaries of the insured, and typically provide coverage for 10 to 30 years. A death benefit can be used to cover funeral, burial and other final costs, as well as expenses caused by a loss of income, including: mortgage/rent costs, college tuition, and general living expenses.

Whole and universal life policies provide coverage for the entirety of an insured’s life, and include a cash value component from which a policyholder can borrow or withdraw from.

Through LeapLife’s marketplace, consumers can get matched with and compare personalized life insurance policy quotes from 15 top U.S. life insurance carriers. While LeapLife is a licensed life insurance broker, it is not a life insurance carrier, so any consumer who is ultimately approved for a life insurance policy will have to finalize their approval with the respective carrier—luckily, LeapLife takes care of that for you.


  • Cannot complete a whole/universal policy online
  • Marketplace may not include carrier of your choice

Where is LeapLife Available?

LeapLife’s services are available in all 50 states, 24 hours a day.

How Much Does LeapLife Cost?

LeapLife is a free online service that matches users with personalized life insurance policy quotes based on their specific life insurance needs. As far as the policies available through LeapLife’s insurance carrier partners, the lowest cost plan includes a monthly premium of approximately $7.04 per month (depending on health and other factors), which provides a 10-year term and $100,000 in coverage for certain consumers. All in all, LeapLife users can find policy quotes with up to $5 million in coverage, with term life lengths ranging from 10-40 years.

Medical Exam

LeapLife users will have to answer a few questions pertaining to their health before getting matched with personalized life insurance policy quotes, which includes: height/weight, tobacco use, any preexisting conditions, and if they take any prescription medications.

Depending on the carrier, an applicant may also need to partake in a brief paramedical exam, while some carriers may choose to assess an applicant’s physical health from online medical/insurance databases in lieu of a physical exam.

A life insurance medical exam usually involves:

● Review of your family medical history

● Blood pressure check

● Pulse and heart rate

● Submitting a blood or urine sample

What Is Included In a Term Life Policy?

LeapLife matches users with personalized life insurance policy quotes for term life insurance

with terms ranging from 10 to 40 years.

Coverage Amount Eligibility

● U.S. citizens (ages 18 to 75) are eligible for up to $5 million in coverage through

LeapLife’s carrier partners

● Green Card Holders

Riders You Can Add Using LeapLife

● Accelerated Death Benefit (generally included at no additional cost!)

● Waiver of Premium

● Accidental Death

● Term Conversion (automatically included at no cost with most carriers)

● Long-Term Care

● Return of Premium

LeapLife Features

● Founded in 2015

● Owned and powered by Even Financial

● Accelerated online underwriting

● Marketplace of 15 top U.S. life insurance carriers

● Offers end-to-end fully digital life insurance application experience (for term life)

● Licensed agent support

● Fast and responsive customer service

● Matches users with personalized life insurance policy quotes in less than 60 seconds

● Policies without a medical exam are available

Pros and Cons of LeapLife

Here are some pros and cons we found when using LeapLife.


  • In many causes, you can get covered in minutes
  • Competitive rates
  • Term life policies from nation’s top providers including: Legal & General, Pacific Life, Protective Life, Lincoln, and more.
  • Don’t need to enter your contact info (phone number or email) to see your personalized life insurance policy quotes
  • Many of the carriers allow you to be eligible for a policy without taking a medical exam
  • A+ rating with BBB, Excellent rating with Trustpilot
  • Owned and powered by Even Financial, the leading search, comparison, and recommendation engine for financial services


  • You have to call a live agent to compare offers and complete your application for certain types of policies, such as whole life insurance
  • Certain carriers may not be available on the LeapLife marketplace

LeapLife Customer Reviews

LeapLife has earned an A+ rating with the Better Business Bureau, as an accredited business since June 2017.

On Trustpilot.com, a customer review site, LeapLife has 105 reviews and 97% of customers rated them Excellent or Great. One review included:

“There are so many options with Life Insurance that I found it to be confusing and difficult to navigate. LeapLife was VERY helpful in patiently explaining terms, interviewing, and going through the process step by step. I feel confident that I am poised to get the best rate with a good and reputable company after working with my Sales Director. What a relief!"

How to Apply with LeapLife

  1. Visit LeapLife’s website here.

  2. Answer some questions through their quick and easy form.

  3. Once you finish, you’ll be taken to a page that lists the personalized life insurance policy quotes you’ve been matched with.

  4. Either choose one of your matches and customize your policy quote or click “view more options” to compare quotes from other carriers.

  5. Once you decide on a policy quote, your application will be submitted and approved via LeapLife’s service directly with the carrier; if approved, you can receive coverage within weeks, or even days.

Choosing a Coverage Amount

With LeapLife, you will receive personalized life insurance policy quotes that include a coverage (aka death benefit) amount, up to $5 million. Choosing how much coverage you need depends on a number of factors, whether the money will cover just final expenses (funeral/burial costs) or if you require to cover the living expenses and other costs incurred and for how many beneficiaries. LeapLife even has a helpful calculator for this purpose at https://www.leaplife.com/calculator.

Free Look Cancellation Policy

After purchasing a policy, customers have a “free look” period of 30 days to decide if their new policy is right for them. If they wish to cancel during this period, the policyholder would receive a full refund.

How to File an Insurance Claim with LeapLife

Since LeapLife is not a life insurance carrier, beneficiaries will need to file a claim with the carrier they bought a policy from, but they are more than welcome to call their LeapLife agent for assistance with this process.

Contestability Period

Insurance companies can review policies within the first two years (24 months) after purchase to make sure that all the information provided on the application was accurate. If a claim is filed within this time, it may be investigated more thoroughly. Applicants must give correct information about their medical issues, lifestyle and hobbies, occupation, and more when they apply.

Does LeapLife Offer Other Kinds of Insurance?

No, LeapLife only matches consumers with personalized life insurance policy quotes. It is worth noting that they offer Accidental Death Benefit Insurance and Guaranteed Issue Final Expense insurance as well.

How to Contact LeapLife

Address: 268 Bush St #290

San Francisco, CA 94104

Customer service: (844) 755-5327

Hours: 24/7 EST Email: [email protected]


LeapLife was launched with a belief that “regardless of age, health, status, or credit standing, all people deserve access to good insurance, at an affordable price, through a seamless online process.” It’s safe to say that the platform has fulfilled its wish, as LeapLife is an incredibly fast and easy way to get matched with and compare personalized life insurance policy quotes from multiple top carriers. LeapLife only requires a few questions to get rolling, but doesn’t require you to submit any personal contact info (e.g., phone number, email).

On top of that, LeapLife provides first-class assistance through their licensed life insurance agents, who can: help you out with any questions you have about term life policies, help you finish your whole life policy application, and can assist in making sure your application is completed with the carrier of your choice. For those interested in doing it all themselves, LeapLife offers a fully digital, end-to-end application for term life insurance with no medical exam, depending on the carrier.

Frequently Asked Questions

Who is LeapLife powered by?

LeapLife is owned and powered by Even Financial, the leading search, comparison, and recommendation engine for financial services. Even acquired LeapLife in early 2020 with the goal of making it the premier online destination for getting matched with and comparing personalized life insurance policy quotes.

Can I change my beneficiary online?

Depending on the carrier you choose, you should have options for changing your beneficiary online.

How long does it take to apply?

Users can get matched with personalized life insurance policy quotes in under 60 seconds, and fully finalize their application in less time than it takes to finish their morning coffee (depending on health and other factors).

If you need further assistance, you can speak with a licensed LeapLife insurance agent by calling (844) 755-5327.

How long will it take after my medical exam for a decision?

It depends on your health history. Healthy people can be approved within a few business days after completing the brief paramedical exam. If medical records are needed to finalize the approval, these can take a few weeks to obtain and vary by doctor office.

We’ll Introduce You!

Get a free no-obligation quote from LeapLife

Other Life Insurance Companies