TERM LIFE INSURANCE YOU DON'T HAVE TO DIE TO USE
We shop the entire marketplace of A Rated life insurance carriers to find you the most affordable term policy with Living Benefits.
DO YOU HAVE THE NEW KIND OF LIFE INSURANCE?
Why settle for a policy that only pays when you’re gone?
Modern life insurance with Living Benefits gives you access to your death benefit while you're still living—for critical illness, chronic conditions, or terminal diagnosis.
All at no extra cost and tax free!
It’s peace of mind that protects
you
and your family simultaneously.
LIVING BENEFITS INCLUDES:
Once a qualifying health event has occurred on an active policy, a Living Benefits policy will allow the insured to accelerate the death benefit, essentially allowing early access to the policy’s death benefit at a discounted rate.
That discount will vary depending on the severity of the illness or injury.
The more impact the health condition had on the insured’s life expectancy going forward, the more money they will be offered per given amount of death benefit.
We Only Shop The Best In The Business
We Make The Process Fast, Easy, Educational, and Pressure Free
70% of applicants get approved within 24-72 hours with no medical exam
HERE'S HOW IT WORKS
Step 1: Complete Quote Request
Fill out a few basic questions about yourself and we will shop the best carrier for you based on your needs, age, and current health status. Within 1-24 hours we will email you a quote.
Step 2: Submit a Risk-Free Trial Application
If the quote looks good to you, one of our field underwriters will assist you in completing a detailed health questionnaire and submit a trial application to the insurance carrier. There’s no payment required upfront, and we’ll wait to see if you’re approved before moving forward.
The good news? About 7 out of 10 applicants are approved with no medical exam. If an exam is required, we’ll coordinate everything for you—including sending a licensed nurse to your home or workplace for a quick, free 30-minute visit.
Need coverage faster? We also offer instant approval options with no exam, though rates may be slightly higher compared to traditional underwriting.
Step 3: Review and Pay
Congrats! That's it. Once you are approved and the premium is within your budget, you will receive a confirmation email from the carrier to accept your policy and make your first premium payment.
You're Going To Be Shocked At How Affordable Term Life With Living Benefits Is
REAL EXAMPLE PRICING BELOW
$13.52/month*
26 Year Old, Male
$250,000 Death Benefit
20 Year Term
Preferred Plus Health Rating
$18.92/month*
35 Year Old, Female
$500,000 Death Benefit
20 Year Term
Preferred Plus Health Rating
$54.27/month*
42 Year Old, Male
$1,000,000 Death Benefit
20 Year Term
Preferred Plus Health Rating
*Corebridge QoL Term. Pricing is accurate as of May 2025.
WANT A QUOTE RIGHT NOW?
Message Murphy the Quote Dog in the bottom right chat box!
Murphy is our mascot to remind you of Murphy's Law. Even if there’s a small chance of something devastating happening, like you passing prematurely or getting a serious illness, you should always be prepared for worst case scenario.
Murphy is a highly trained digital Golden Doodle and can run you a personalized quote within minutes!
(and yes, Murphy is a real dog of our founders, Sean & Megan) đ¶
WHY WE STARTED XPRESS TERM LIFE
A note from our founders, Sean & Megan Jantz
Hi there! I’m Sean Jantz, and I want to personally welcome you to Xpress Term Life.
My wife, Megan, and I have proudly served in the life insurance industry since 2012. While most kids don’t grow up dreaming of becoming “life insurance agents,” I truly believe more would if they understood just how impactful and purpose-driven this career really is. Over the past decade, our team has helped deliver millions of dollars in tax-free death benefit claims to families across the country—providing comfort, dignity, and stability during life’s most difficult moments.
When most people think about building a strong financial plan, they usually start with budgeting, saving, or investing for retirement. And while those are all important, there’s one piece that often gets overlooked: term life insurance.
Term life insurance might not seem as exciting as a hot investment or as urgent as paying off debt—but it plays a
foundational role in your family’s long-term financial security. It’s the ultimate act of love and responsibility. It says:
“No matter what happens to me, my family will be okay.”
Today’s policies offer more than just a death benefit. With the recent innovation of Living Benefits, you may also be eligible to access a portion of your policy if you’re ever diagnosed with a serious illness like cancer, heart attack, or stroke—helping you avoid medical debt, GoFundMe pleas, or bake sales during a health crisis.
The truth is, the best time to get life insurance is when you're young and healthy. The earlier you act, the more affordable your coverage—and the more peace of mind you can secure.
At Xpress Term Life, we’re an independent agency. That means we aren’t tied to one insurance company—we work for you. Our team of licensed field underwriters will shop top-rated carriers nationwide to find the best policy, at the best rate, tailored to your age, health, goals, and budget.
If you're ready to take the next step in protecting your family's future, just fill out the simple quote form and let’s get started.
You don’t need to know everything about life insurance—that’s our job. You just need to take the first step.
We’ll take care of the rest.
— Sean Jantz
Founder, Xpress Term Life