Life Insurance

Effortless Life Insurance Review

By Peter Mondrose Peter Mondrose is the Head of Insurance Content at Bankovia. He received his degree in Economics in 1998 and a second degree in Journalism in 2004 from the University of Chicago. Most recently he served as Head of Content at, and editor at 5 minute read

Effortless Life Insurance Company, compares over 50 service providers fast and conveniently. Consumers who lack enough protection elsewhere can benefit from the approach, which generates a range of estimations in less than a minute. There is currently no whole or variable life insurance alternative on the market, and this product has received only a few online customer evaluations.

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Effortless Life Insurance Pros and Cons


Effortless Life Insurance Review - Effortless Insurance Company Logo
  • Accès à plus de cinquante compagnies d’assurance
  • Below is a list of some of the most frequently used phrases.
  • The service is completely free.
  • All applications are considered.


  • This section contains no unattributed quotes.
  • At times, I may become unresponsive.
  • It’s good to have a small number of social media followers.

Effortless Life Insurance Rates

Insurance companies charge varied premiums based on a policyholder’s age, region, gender, and overall health. On the other hand, the rates of effortless sampling may differ.

This is an illustration of a 20-year term life insurance policy having a face value of $500,000. A 30-year-old woman in good health could anticipate paying $16 per month in premiums for standard coverage. If she chooses not to have the exam, she will be charged an extra $20. On average, males pay somewhat more for life insurance than women do. Insurance without a medical exam costs an average of $24 per year for a 30-year-old man, compared to $19 per year for standard insurance. You may acquire a pricing quotation by completing the website’s online form.

Factors affecting my rate with Effortless life insurance?

Being young and healthy are necessary conditions for obtaining a fair deal. Insurance companies consider a person’s height, weight, smoking status, and family history of illness when calculating rates.

To get the best deal, you must satisfy the following requirements.

  • Good health. Individuals in good health pay less than those with serious health concerns such as high cholesterol, high blood pressure, diabetes, or heart disease. Given the link between smoking and health problems and decreased life expectancy, your insurance provider will want proof that you have been smoke-free for three to five years prior to renewing your coverage. As part of your policy, the great majority of insurance companies allow you to smoke one cigar every month as a unique pleasure.
  • You should participate in hobbies and pastimes that are both enjoyable and safe for you. According to the Insurance Information Institute, insurance rates are higher for those who work in hazardous regions or engage in hazardous activities. According to life insurance firms, those whose employment require them to fly, fight fires, or engage in dangerous activities will pay a higher premium for life insurance.

How do I get a quote from Effortless life insurance?

Please follow the processes mentioned below to request a quotation:

  1. To discover more about Effortless, visit their website. To get started, navigate to the website and click on the Get started option on the menu.
  2. Indicate in the form below whether you smoke or not, as well as your state of residence and year of birth.
  3. Determine the sort of insurance coverage you require, as well as the suitable degree of protection for your circumstances.
  4. Both the sender’s name and email address are necessary entries. The ‘Request Quotes’ button advances you to the next stage.
  5. Following that, you will be presented with a variety of options ranging in price from the most inexpensive to the most expensive. After making adjustments to your coverage, click Recalculate to get the updated findings. Once you’ve found a quotation that you like, submit your application immediately.
  6. This is the place where you may write comments and provide other users with your contact information. Use the Send button on your keyboard to send a message.

Prior to commencing the application process, it is critical to select an insurance provider and collaborate with a broker to complete the application and schedule any necessary medical examinations. Simple ensures that the insurance provider receives your application and notifies you of the following stages.

Types of coverage does Effortless life insurance offer

Effortless is not a life insurance company. This broker-operated marketplace connects clients with more than 50 different insurance firms. Principal Life, Prudential, and Legal & General are just a handful of the corporations to which the firm has provided services.
As a website visitor, you can apply for insurance with a face value of up to $10 million.

  • Term life insurance. Term life insurance is a relatively inexpensive type of insurance that provides a death benefit in the event of a policyholder’s death. It is a form of long-term insurance. There are plans available with terms ranging from 10 to fifteen years to twenty to thirty years.
  • Life insurance with a premium refund (ROP). For premium insurance, 15-year, 20-year, 25-year, and 30-year repatriation prices are offered. If you live longer than the term of your insurance coverage, your insurance premiums are tax-deductible. Your heirs will be compensated in the case of your death.
  • Non-examination life insurance. If you want or prefer immediate insurance coverage, you may be eligible to qualify for a streamlined or guaranteed-issue policy. This insurance firm specializes in no-exam policies with face values ranging from $25,000 to $500,000. These insurance have face values ranging from $25,000 to $500,000.
  • Everyone has access to life insurance. This policy’s value grows with time and will provide you with eternal security. The opportunity to pay variable premiums appeals to those with varying income expectations or who are unable to pay the same amount of money on a constant basis. Additionally, you have the option of modifying the death benefit and accessing the cash worth of the insurance policy while you are still alive.
  • The following sections detail policies aimed at minimizing ultimate expenses. As a result, these insurance policies cover end-of-life expenditures such as medical bills, burial charges, and cremation costs. If you are between the ages of 50 and 85, The Effortless Group can assist you in locating an insurance carrier that offers last expense policies with face values of $5,000 to $50,000.

Riders you can add on your Effortless life insurance Policy

Depending on the insurance provider you pick, you may be able to include the following endorsements in your policy:

  • Rider waive premiums
  • Rider for disability income benefits
  • Benefit of accelerated death
  • Rider for accidental death benefit
  • Rider-returning-to-premium
  • Rider who is a child
  • Rider undergoing conversion
  • Insurance rider for the term

Effortless life insurance reviews and complaints

Effortless does not have an A + rating with the Better Business Bureau (BBB), and it does not have a favorable rating on consumer review sites such as TrustPilot. Numerous clients have given near-perfect reviews on Google due to the company’s specialized customer service, ability to generate online estimates for independent contractors, and no-exam policy, among other things. There are, however, few user evaluations accessible, and Google is a less trustworthy source than the Better Business Bureau.

Best Affordable Life Insurance
Free Life Insurance Quote, No Obligation.

An easy, affordable and dependable way to look after the people you love.

More Info → is a promotional partner of Bankovia.
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