Make your goals a priority
For us, success means helping you reach your goals — not hitting a number.
How we work with youHelping to make your goals a reality
Medicare, retirement income, asset protection and legacy planning — coordinated in one place.
Explore all servicesThe Ascent
Plain-language guidance on Medicare, Social Security and retirement — before you need it.
Read the latest
Start my financial plan
Four questions. Real eligibility. No medical exam. Get an instant quote and apply online — or have a licensed advisor finish it with you by phone.
Start my instant quoteThe coverage we offer
Every product below is no-exam and quoted through one four-question flow. Availability depends on your age, state and coverage amount — the tool only shows you what you actually qualify for.
No health questions. No exam. Guaranteed acceptance.
Whole life coverage from $5,000 to $25,000 with guaranteed acceptance for ages 50–85. No medical exam and no health questions — ideal for final expenses and leaving something behind, even with health conditions.
Ages 50–85 · $5,000 to $25,000
Instant quote & applyUp to $1 million. Instant decision. Living benefits included.
Term life for ages 18–60 with coverage from $50,000 up to $1 million and 10, 20 or 30-year terms. Living benefits can advance part of the death benefit if you face a chronic, critical, or terminal illness. No medical exam — answer a short set of questions online and get an instant underwriting decision.
Ages 18–60 · $50,000 to $1,000,000 · 10, 20, 30-year terms
Instant quote & applyAffordable protection against the unexpected.
Simplified-issue accidental death coverage from $50,000 to $300,000 for ages 20–59, with optional family and return-of-premium riders. No medical exam and no health questions.
Ages 20–59 · $50,000 to $300,000
Instant quote & applySimple whole life coverage for life's final costs.
Whole life coverage from $5,000 to $50,000 for ages 50–85, built for funeral costs, medical bills and other end-of-life expenses so the people you love aren't left with the bill. No medical exam — a short set of health questions online gives you a decision.
Ages 50–85 · $5,000 to $50,000
Instant quote & applyThe same term coverage, without the living benefits — for less.
Term life for ages 18–60 from $50,000 up to $1 million with 10, 20 or 30-year terms. It drops the living-benefit riders, which is why it usually prices below term life with living benefits. No medical exam and an instant decision online.
Ages 18–60 · $50,000 to $1,000,000 · 10, 20, 30-year terms
Instant quote & applyNot sure which fits?
Answer the four questions and the matching happens automatically — or talk it through with a licensed advisor first.
Match me automaticallyTalk to an advisorHow it works
01
Gender, birthday, ZIP code and how much coverage you want. No account, no paperwork.
02
We match you against real product rules — age, state and amount — so you only see coverage you can actually get.
03
A live quote from the carrier, not a range — with the option to compare 10, 20 and 30-year terms side by side.
04
Many policies go in force the same day. Your advisor reviews it with you every year at no cost.
Instant quote
No exam, no obligation, and your rate never changes because you used an agent — it only means someone is in your corner.
Quotes are estimates, not an offer of coverage; final rates are set by the issuing carrier after underwriting. Coverage is underwritten by Fidelity Life Association. By requesting a quote you agree that your information may be shared with the carrier to prepare it. See ourinsurance disclosures.
Questions
Yes. Four questions — gender, birthday, ZIP code and coverage amount — and you'll see which products you qualify for immediately. For instant-decision term life with living benefits, you can complete the entire application online in about 10 minutes.
No. Every product offered through this tool is no-exam. Instant-decision term life with living benefits asks health questions online; guaranteed issue whole life asks none at all — acceptance is guaranteed for ages 50 to 85.
No. Your information goes to The Acclivus Group and, when you request a quote, to the issuing carrier — nowhere else. We are an independent agency, not a lead-selling site.
Use the built-in estimator. It applies the DIME method — Debts, Income replacement, Mortgage, Education — to suggest a starting number, and a licensed advisor refines it with you before anything is final.
Nothing. Quotes and applications are free and carry no obligation. If you buy a policy, the premium is identical whether you apply here or directly with the carrier — agents are paid by the carrier, not by you.
You answer the carrier's health and identity questions in their secure application — about 10 minutes — and get a decision online, often with same-day coverage. A licensed Acclivus advisor follows up either way and stays your point of contact for the life of the policy.
Because it is what makes the number real. Without it we have to assume a health class, and the difference is large — a healthy 45-year-old buying $250,000 of 20-year term pays about $33 a month rather than the $52 an assumed rate would show. Guaranteed issue whole life and accidental death coverage don't ask at all.
Not on this site. The carrier collects it inside their own secure application, along with payment details and signatures. We only pass your name, contact details and quote so you don't have to type them twice.
Insurance and annuity products:
The Acclivus Group (TAG) and its advisors are licensed insurance professionals. Insurance products, including Medicare plans, life insurance, and annuities, are offered through licensed insurance agents and are subject to the terms, conditions, and limitations of the issuing carrier. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
We do not offer every plan available in your area. Currently we represent organizations which offer products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Not connected with or endorsed by the United States government or the federal Medicare program.
The Acclivus Group and its advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. This material is for educational purposes only and is not intended as a recommendation, offer, or solicitation for the purchase or sale of any security or investment strategy.