Instant Life Insurance

Your life insurance policy creates a financial safety net that covers major life expenses. From paying off your mortgage and settling debts to funding your children's education—the coverage provides crucial financial support. The tax-free benefit can also replace your income, helping maintain your family's lifestyle. Your beneficiaries have full control over how to use these funds, whether it's for significant expenses or daily living costs.

EverGuard provides two distinct insurance solutions tailored to different life stages: For ages 20-65: Term Life Insurance with flexible coverage periods of 10-30 years and substantial protection ranging from $20,000 to $2 million in benefits (eligibility based on individual factors). For ages 65-85: Guaranteed Issue Whole Life Insurance, ensuring that seniors have access to reliable coverage regardless of health conditions. Our licensed advisors can help determine which coverage option and amount best aligns with your family's protection needs and financial goals.

While employer-sponsored coverage provides a valuable starting point, it typically falls significantly short of recommended protection levels for your family's long-term security. Most employer-provided policies only cover 1-2 times your annual salary, which financial experts consistently identify as insufficient for comprehensive family protection. The recommended coverage amount is actually 10 times your annual salary, highlighting a substantial gap in protection that needs to be addressed. This is why many professionals choose to supplement their employer coverage with individual term policies. Additionally, employer-provided coverage is typically tied to your employment status, meaning you could lose protection if you change jobs. Taking control of your family's financial security through an individual policy ensures comprehensive protection that moves with you throughout your career and provides the complete safety net your loved ones deserve.

EverGuard provides accessible coverage options designed to serve a wide range of adults at different life stages. All U.S. citizens and permanent residents between the ages of 20-85 are eligible to apply for coverage. If you're between 20-65 years old, you can secure term life insurance that provides protection until age 80. For those over 65, we offer a guaranteed issue whole life insurance option with a simplified application process, making it easier to obtain coverage quickly. Our tiered approach ensures that no matter your age or life stage, you can secure appropriate protection without unnecessary complications. Contact us today to explore which policy type best matches your current situation and long-term protection needs.

Determining your ideal coverage amount can be approached through two practical methods, both designed to ensure your family's financial security. The simplest approach is multiplying your annual income by 10, which provides a quick estimate of the protection your family needs to maintain their lifestyle. For a more precise calculation, you can use the financial obligations method: add up your long-term financial commitments (including mortgage, debts, future education costs, and family living expenses), then subtract your current assets (savings, investments, and existing insurance). The resulting gap represents the amount of life insurance coverage needed to fully protect your family's financial future. This calculated approach helps ensure you're not over-insured or underprotected, providing exactly the right amount of coverage for your family's specific situation.

EverGuard provides complete peace of mind through our comprehensive customer protection guarantees and flexible cancellation policies. Your journey begins with a completely free application process that has no impact on your credit score. Once approved, you'll benefit from our 30-day free look period, during which you can evaluate your policy with zero risk – if you're not fully satisfied, we'll provide a 100% refund of any premiums paid. Beyond this initial period, we maintain our commitment to flexibility by allowing you to cancel your policy at any time without incurring any fees or penalties. The cancellation process is straightforward: simply contact us via phone or email to request a surrender form, which you can sign electronically. Upon receiving your signed form, we'll process your cancellation immediately, ensuring a hassle-free experience from start to finish. This transparent approach reflects our commitment to putting our customers' needs first and ensuring you feel confident in your coverage decisions.

EverGuard has revolutionized the life insurance industry through our innovative approach to policy design and customer benefits. We've developed proprietary products that go beyond traditional coverage by offering unique advantages that put you in control. Our distinctive features include cash-back options if your policy goes unused, living benefits that allow you to access your coverage while still alive, and flexible portability options that maintain your protection even when you relocate. What truly distinguishes us is our ability to compare and curate offerings from over 50 A+ rated insurance carriers, ensuring you receive the most competitive and comprehensive coverage options available. This commitment to innovation and choice, combined with our customer-first approach, has established EverGuard as a transformative force in making life insurance more accessible, flexible, and valuable for our clients' diverse needs.

At EverGuard, we prioritize providing you with direct access to expert guidance whenever you need it. Our streamlined process begins when you complete a brief eligibility form, after which you'll be immediately matched with one of our highly-rated EverGuard agents. Your dedicated agent will promptly reach out to arrange a consultation at your convenience, offering flexible communication options including scheduled phone calls, text messages, or email correspondence. This personalized approach ensures you receive expert guidance in the format that works best for you, making it simple to get answers to your questions and make informed decisions about your coverage needs.