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PolicyMutual.com is owned by a licensed independent agent, licensed to sell life insurance in 50 U.S. states including District of Columbia. PolicyMutual.com does not underwrite any insurance that appears on our website. Insurance quotes appearing on this website are non-binding. While we have done our best to ensure all rates shown are accurate; errors are possible. In the unusual occurrence we made a mistake regarding pricing, the carrier’s rates will always supersede whatever rate appears on our website.

Not all products are available in all states. Product eligibility for each carrier varies depending on the following factors: resident state of the insured, age, and medical underwriting restrictions. All plans with no waiting period require an applicant to be medically approved by the insuring company and are subject to the incontestability period. All guaranteed acceptance plans that have no health questions will be subject to the insurer’s defined waiting period before benefits become payable under the policy provisions.

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Quotes for instant issue/instant on our decision term life insurance are provided by Sproutt and Savings Bank Life Mutual Life Insurance Company. By using the quoting tool on this site, you agree to their Privacy Policy and Terms of Service. Final prices are determined after the underwriting process is completed. Coverage approval is based on your answers to questions on the application.

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