54,282 U.S. Residents Have Been Approved in 2025
Get Your Family Up to $750,000 in Coverage
With the New State-Regulated Life Insurance Program (< $1/day)
20-70 Year Old Americans
Stress-Free Life Insurance
Protect Your Family's Financial Security
Life insurance covers final expenses, pays off debts, and helps your loved ones maintain their lifestyle without your income.
Don't Wait Until It's Too Late
Premiums increase with age and health issues. Nearly 50% of Americans wait too long and pay significantly more or can't qualify.
Leave More Than Memories
Beyond expenses, life insurance funds your children's education and provides lasting financial security for those who matter most.
MORE FOR LESS
Perfect for those between the ages of 30 & 60
It’s never too late to get life insurance, but the best time to get a policy is as soon as possible.
Unfortunately, almost 50% of Americans aren’t ensured, leaving their families with financial stress upon their passing.
It becomes more difficult to qualify as we age; we deal with medical issues that makes costs go up. Starting early is the best way to get a great rate, that protects you and your family during a time that you are likely to have more debt. (ie. Mortgage, children’s tuition, etc)
The best part about a non-medical policy is that it’s easy to apply, doesn’t require extensive underwriting or medical testing, and you don’t need to be concerned with age, tobacco use, or health issues.
When should I get life insurance?
The best time is now, especially if you're planning major life milestones like marriage, starting a family, or buying a home. The younger and healthier you are when you apply, the lower your premiums will be. Waiting until you need it often means paying significantly more.
How long does it take to get approved?
It depends on the type of policy and your health situation. Some policies offer instant or accelerated approval within 24 to 48 hours with no medical exam required. Traditional policies that include a medical exam typically take 2 to 6 weeks from application to approval. Policy Peter works with providers offering both options, so we can match you with the timeline that fits your needs and urgency.
How much does life insurance actually cost?
Far less than most people think. Studies show about 70% of Americans overestimate the cost by 3x or more. Many healthy individuals can get substantial coverage starting around $30/month. Your actual rate depends on factors like coverage amount, your age, health, and the type of policy you choose.
How much coverage do I actually need?
A good rule of thumb is 10 to 12 times your annual income, but your ideal coverage depends on your unique situation. Consider your mortgage balance, other debts, income replacement needs, future expenses like college tuition, and existing savings. Policy Peter's assessment calculates the right coverage amount for your specific financial picture, so you're neither underinsured nor overpaying.
Peter helps people find the best life insurance policy for their situation.
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