Life insurance you can actually finish buying today

I'm Jordan McNutt, a licensed life insurance agent. I help families compare instant-decision coverage — no medical exam, no paper application, and most policies issued in about ten minutes.

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No medical exam or lab work
Real-time underwriting decision
Living benefit riders included on most policies at no extra premium
A-rated carriers only

Coverage I can quote

InstaBrain Pure Term

Simple and cost-effective

Straightforward term life coverage for a set number of years. Lowest cost per dollar of death benefit, no cash value.

Term with Living Benefits

Feature-rich

Term coverage that also lets you access part of the death benefit while you are alive if you are diagnosed with a qualifying illness.

Accidental Death Benefit

Instant issue

Pays only if death results from a covered accident. Inexpensive, but narrow — it is a supplement, not a substitute for life insurance.

Final Expense Whole Life

Builds cash value

Small permanent policy sized to cover funeral, burial and end-of-life costs. Simplified health questions, no exam.

Guaranteed Issue Whole Life

Guaranteed issue to age 85

No health questions and no exam — acceptance is guaranteed within the issue ages. Carries a graded death benefit in the first years.

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A no-obligation quote takes about a minute. No medical exam, and most policies are issued in around ten minutes.

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Straight answers to the questions people actually ask

No lead-gen gates. Every page below answers the question it asks in the first paragraph.