Everyday Life Insurance

Everyday Life Insurance is a licensed, independent online insurance brokerage based in the northeastern United States that sells term and whole life insurance to US families. The company positions itself as unaffiliated with any single carrier, presenting quotes from a panel of insurers and recommending a policy based on a short questionnaire about a customer's income, expenses, medical history and budget. Its stated aim is to make coverage accessible to "everyday" households whose small-premium policies traditional commissioned agents are less likely to serve.

The consumer flow is self-directed: a prospective buyer completes a two-to-three minute quiz, receives a personalized coverage recommendation and price without providing an email address or phone number, and can then apply online (applications in New York are handled by phone). The company reports an average time to coverage of about 15 minutes, advertises premiums starting at $3.65 per month and coverage amounts up to $100 million, and offers a 30-day money-back guarantee. Licensed insurance experts are available by phone on weekdays for customers who prefer human advice, and free consultations can be scheduled.

Supporting tools include a life insurance needs calculator, a mortgage protection calculator, an SBA loan resource, a glossary and an educational article library, plus a client portal that routes policy-service and claims requests to the underlying insurer. Carriers listed on the platform include Assurity, Fidelity Life (RAPIDecision term, simplified-issue final expense and guaranteed-issue graded-benefit whole life), the Banner Life family of companies including William Penn Life Insurance Company of New York, and TruStage products issued by MEMBERS Life Insurance Company and CMFG Life Insurance Company. Third-party profiles categorize the company as an insurtech/fintech operating a B2C marketplace model and associate it with keywords including artificial intelligence, machine learning, financial inclusion and economic empowerment.

Founding story

Everyday Life was founded in 2018 by founders whose backgrounds are in finance and technology rather than insurance, an origin the company credits for its focus on finding the best financial solution for clients and delivering it online in roughly 15 minutes. A third-party profile describes the founders as insurance and technology experts.

Business model

Everyday Life operates as an independent broker rather than a carrier: it does not underwrite risk but distributes third-party insurers' term and whole life products through its own digital quoting, recommendation and application platform, backed by a small team of licensed agents for phone support. Third-party profiles characterize the model as B2C with revenue share and marketplace commission economics.

External profiles describe the company's customer/revenue profile as revenue share and marketplace commission, consistent with a brokerage earning compensation on policies placed with partner carriers; the site also promotes a customer referral program.

Traction

Company-reported figures include more than 1 million personalized quotes delivered without requiring contact information, an 88% application approval rate over the trailing 12 months, a 4.8/5 Google Reviews rating from 267+ reviews, and an average 15-minute time to coverage. Caplight market signals recorded monthly website visitors up 68% month-over-month in June 2026 and up 46% month-over-month to 31,300 in July 2026. Headcount is small, listed as roughly 1-10 or 8 employees.

Latest developments

As of mid-2026 the site published an updated competitive comparison of online life distributors dated July 14, 2026, and third-party tracking recorded consecutive months of website traffic growth, reaching 31,300 monthly visitors in July 2026. The carrier lineup spans Assurity, Fidelity Life, Banner Life/William Penn and TruStage products.