Families
Help replace your income and protect the people who depend on you — everyday costs, childcare, and future plans.
Seven16 Life
Life insurance made easier to start.
Seven16 Life helps families and business owners take the next step toward simple, practical life insurance protection.
No obligation. Coverage is subject to eligibility and underwriting.
4.8/5 on Trustpilot4,000+ reviews of our technology partner
The technology behind Seven16 Life
A modern, no-medical-exam life insurance platform.
Seven16 Life is built on a leading, technology-driven life insurance platform — so applying is fast and mostly online, many products skip the medical exam, and you're matched across established carriers. You still answer health and lifestyle questions yourself, and approval is never guaranteed.
~10 min
Apply in minutes
A fast, mostly online application — many people can get started in roughly ten minutes.
Up to $3M
Coverage that fits
Coverage available up to $3 million for those who qualify, depending on carrier and underwriting.
Free will
Free online will & trust
Eligible customers can access free, guided online will and trust tools — estate planning made simple.
Multi-carrier
Options from real carriers
We work across multiple A-rated carriers to help match you with coverage that fits — not one company's product.
Capabilities above reflect the technology and underwriting platform that powers Seven16 Life. Features, availability, coverage amounts, pricing, and approvals vary by state, carrier, underwriting, and the information you provide.
Why it's different
A simpler, modern way to get covered.
FeatureSeven16 LifeThe traditional way
Accelerated underwriting✓—
No-medical-exam options✓—
Fast, often same-day decision✓—
Mostly online application✓—
Free online will & trust✓—
Established, A-rated carriers✓✓
Comparison reflects the technology platform Seven16 Life is built on versus a typical traditional process. Availability, timing, and approvals vary by state, carrier, and underwriting.
A simpler way to start with life insurance
Life insurance helps replace your income and protect the people who count on you. Seven16 Life makes the first step clear — so you can understand what kind of coverage may fit before you apply.
New to this? Learn how life insurance works- 1
Tell us what matters
Share a little about who you're protecting and what you'd like coverage to help with.
- 2
See what may fit
Get a clear, no-pressure starting point for the kind of coverage worth considering.
- 3
Take the next step
When you're ready, start an application with a licensed provider. Coverage is subject to eligibility and underwriting.
Who it's for
Different people protect different things. Here's where life insurance can help.
Homeowners
Help your loved ones stay in the home and keep up with the mortgage if something happens to you.
Business owners
Help protect against the loss of a key person and keep the business steady through a difficult transition.
Income protection
Help replace a portion of the income your household counts on, so a loss doesn't become a financial crisis too.
Final expenses
Help cover funeral and end-of-life costs so your family isn't left with the bill during a hard time.
Types of life insurance coverage
A quick guide to the most common kinds of coverage. Tap any type for a full breakdown — a licensed agent can help you decide what fits.
Term life
Straightforward coverage for a set period — often the most affordable place to start.
Learn moreWhole life
Permanent, lifelong coverage that builds cash value over time.
Learn moreFinal expense
Smaller, permanent coverage for funeral and end-of-life costs.
Learn moreGuaranteed issue
Whole life with no medical exam and limited health questions.
Learn moreIndexed universal life
Permanent coverage with flexible premiums and index-linked cash value.
Learn moreNo-medical-exam
A faster path to coverage using health questions instead of an exam.
Learn moreHow much do you need?
A clear way to estimate your coverage.
There's no one-size-fits-all number, but a couple of simple frameworks get you a realistic starting point in minutes. A licensed agent can help you refine it.
The income rule of thumb
Many people start around 10–15× their annual income. For example, a $60,000 income points to roughly $600,000–$900,000 of coverage.
The DIME method
Add up four things — Debt, the Income you'd want to replace, your Mortgage balance, and future Education costs. The total is a more thorough estimate.
How long should it last?
Choose a term that covers your biggest obligations — for instance, until your mortgage is paid off or your youngest child is financially independent.
These are general guidelines, not financial advice. The right amount depends on your situation, and final coverage is subject to eligibility, the application, and underwriting.
What to expect
From first question to covered — here's how it works.
Applying for life insurance is more straightforward than most people expect. Here's what the process generally looks like, so there are no surprises.
- 1
Answer a few questions
Start online and share some basics — your age, general health and lifestyle, and the coverage you're considering. It usually takes about 10 minutes, and applying is free with no obligation.
- 2
Get a decision
Many applicants get a decision quickly. Some products don't require a medical exam — though every application includes certain health and lifestyle questions that you answer yourself, truthfully.
- 3
Choose your coverage
Review the options you may qualify for and pick the policy type and amount that fit your budget and goals. A licensed agent can help you decide what makes sense.
- 4
Get covered
Once you're approved and your first payment is made, your coverage can begin. You'll have time to review your policy, and many policies include a short window to change your mind.
Good to know
- Applying is free, and there's no obligation to buy.
- Every policy includes a free look period — after your policy is delivered, you have a state-set window (commonly 10–30 days) to review it and cancel without penalty if it's not the right fit, generally with a refund of premium paid.
- You answer every health and lifestyle question yourself — we never answer them for you.
- Approval, pricing, coverage amounts, and whether an exam is needed depend on your situation, the carrier, and underwriting.
- Products and availability vary by state, and approval is never guaranteed.
- A licensed agent is available if you'd like help at any step.
Why it helps to start now
- Life insurance is often more straightforward to start when you're younger and in good health.
- Putting protection in place sooner means your family is covered while life keeps moving.
- Starting the conversation is free, and there's no obligation to continue.
Ready to see what may fit?
Start your quote in a few minutes. There's no obligation, and approval is never guaranteed — coverage depends on eligibility and underwriting.
Check my priceCarriers & technology
Established carriers. Modern technology. One simple path.
Seven16 Life isn't a single-company quoting widget. We work through a licensed, multi-carrier platform that matches you with coverage from established life insurers — so the focus stays on finding the right fit and value for your situation, not pushing one product.
Aflac
Ameritas
Banner Life
North American Company
Protective
TruStage
Each is a nationally recognized life insurer rated A or higher for financial strength by A.M. Best.
500,000+ life insurance policies activated
4.8 / 5 on Trustpilot, across thousands of customer reviews
Fast, mostly online application — many applicants get a quick decision, often with no medical exam (applications still include certain health and lifestyle questions)
The figures above reflect our technology and underwriting partner — the platform that powers our application — not Seven16 Life's own results, as of 2025. Products, features, availability, rates, and approvals vary by state, carrier, underwriting, and the information you provide.
Beyond coverage
Put a will or living trust in place — online.
Life insurance protects your family's finances. An estate plan makes your wishes clear: who inherits what, who cares for minor children, and how things are handled if something happens to you. Through our partner platform, Seven16 Life can give you access to guided, easy-to-use online tools to create a will or living trust.
- Create a will or a living trust with a step-by-step guided experience.
- Name guardians for minor children and decide how your assets are distributed.
- A straightforward, mostly online process — no appointment required to begin.
Wills & living trusts, made simple
When you're ready, you can start your estate plan online — at your own pace, with a clear, guided process.
Learn about estate planningEstate planning documents are not insurance and are not legal, tax, or financial advice. Availability and the requirements for a valid will or trust vary by state. For complex situations, consider consulting a licensed attorney.
Frequently asked questions
How much coverage do I need?
It depends on your situation — things like your income, debts, dependents, and goals. A common starting point is to think about what your family or business would need if your income stopped. We can help you think it through; final coverage is subject to eligibility and the application.
Can I apply online?
We're finalizing the online application experience. When it's available, you'll be able to begin the process online; some situations may need a few additional steps.
Is approval guaranteed?
No. Approval is never guaranteed. Coverage is subject to eligibility, the application, and underwriting, and not everyone will qualify.
Do I need a medical exam?
It depends on the product and your situation. Some options may not require an exam and others might. We can't promise a no-exam outcome for any particular person.
What information should I have ready?
Basic details help you get started — things like your date of birth, general health information, and a rough idea of the coverage amount you're considering.
Is this available in every state?
Not necessarily. Products and availability can vary by state and are subject to eligibility.
Who provides the policy?
Coverage is provided and underwritten by licensed insurance providers. Seven16 Life helps you take the first step and may connect you with licensed providers or partners where appropriate.
Can business owners use this?
Yes. Life insurance can support business needs like protecting against the loss of a key person. What fits depends on your situation and the application process.
Can I change my mind after I apply?
Yes — applying isn't the same as being locked in. Life insurance policies include a free look period: a buyer-protection window (commonly 10 to 30 days, set by your state) that begins when your policy is delivered. During that time you can review the actual policy and, if it isn't the right fit, cancel without penalty and generally receive a refund of the premium you've paid.
Take the first step toward protecting what matters.
It only takes a few minutes to get started — and there's no obligation to continue.
Check my price