Insurafix
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AI-Native Insurance Infrastructure

The future of life
insurance is automated.

Insurafix issues coverage in minutes — not months. Real-time underwriting, top-rated carriers, and a platform built so customers feel taken care of and agents only ever speak with warm, qualified leads.

Get Covered Join as an Agent
★★★★★ 4.9 / 5 from 28,400+ policyholders A+ rated carriers Licensed in 49 states
Powered by partnerships with America's leading carriers
Mutual of Omaha Prudential AIG Foresters Financial Americo Transamerica Nationwide SBLI Pacific Life John Hancock Lincoln Financial Symetra Mutual of Omaha Prudential AIG Foresters Financial Americo Transamerica Nationwide SBLI Pacific Life John Hancock Lincoln Financial Symetra
How it works

Coverage in minutes, not months.

Three frictionless steps. No paperwork, no medical exam for most applicants, no waiting on hold. Just answers.

01

Answer a few simple questions

Tell us about you and your goals. It takes about 90 seconds — no SSN required to see your rate.

02

Get instant personalized rates

Our AI compares 14+ A-rated carriers in real time and surfaces your best price across term, IUL, and whole-life options.

03

Activate coverage online

e-Sign your application, set up payment with Stripe, and your policy is bound. Most applicants are approved in under 10 minutes.

The Product Suite

Coverage built around your life, not theirs.

Five product lines, top-rated carriers, transparent pricing. Compare side-by-side and pick what fits — or let our advisor match you in seconds.

Most Popular

Term Life Insurance

$11/mo  starting
  • 10, 15, 20, 25 & 30-year terms up to $5M
  • No-medical-exam options to $2M
  • Living benefits & conversion riders included
  • Approval in as little as 10 minutes
For ages 18–65 Get my rate →
Guaranteed Acceptance

Final Expense

$28/mo  starting
  • $5,000–$50,000 whole-life coverage
  • No medical exam — most approved same day
  • Ages 50–85, premiums never increase
  • Coverage that doesn't expire
Burial & legacy Get my rate →
Wealth Building

Indexed Universal Life

$95/mo  starting
  • Tax-advantaged cash value growth
  • Market upside with downside floor protection
  • Tax-free retirement income strategy
  • Lifetime death benefit + living benefits
High earners & founders Get my illustration →
Permanent Coverage

Whole Life

$45/mo  starting
  • Coverage that lasts your entire lifetime
  • Guaranteed cash value accumulation
  • Locked-in level premiums forever
  • Borrow against your policy tax-free
Generational wealth Get my rate →
Homeowner Essential

Mortgage Protection

$22/mo  starting
  • Pays off your mortgage if you pass away
  • Optional return-of-premium rider
  • Living benefits for critical illness
  • Tied to your home's loan amount
Family protection Get my rate →
Not sure?

Talk to a licensed advisor.

Our AI matches you with a top-performing licensed agent in your state — typically in under 60 seconds. Free, no obligation.

Avg. response: 47s Match me now →
Why Insurafix

Built like a fintech.
Trusted like a bank.

Every dollar of premium is collected through bank-grade rails, every policy is backed by an A-rated carrier, and every interaction is logged, encrypted, and compliant.

Bank-grade security & compliance

SOC 2 Type II, AES-256 encryption at rest, TLS 1.3 in transit, GLBA-aligned data handling, and continuous third-party penetration testing. Your information is treated like a deposit at a top-25 US bank — because that's the standard insurance deserves.

Instant underwriting

Most applicants are approved in under 10 minutes thanks to our real-time risk engine.

Licensed in 49 states

Nationwide coverage with state-specific rate filings and disclosures. Compliance baked in.

No medical exam options

Up to $2M of accelerated underwriting — no needles, no waiting room, no paramed visits.

Real human advisors

AI does the matching; licensed human agents do the advising. Always free, never pushy.

One dashboard for your entire policy lifecycle

View documents, update beneficiaries, change payment methods, file claims, and message your agent — all from a single secure customer dashboard. Mobile-first, biometric auth, audit-trailed for compliance.

The Insurafix AI Engine

Marketing, qualifying, and matching — handled.

Our infrastructure runs the full top-of-funnel: omnichannel acquisition, conversational AI qualification, intent scoring, state & budget eligibility, and live transfer to a licensed agent in the right state — usually within 47 seconds.

73%
Lead → Appointment
42%
Live transfer rate
<60s
Avg. handoff time

Live Lead Pipeline

● Streaming
01
Acquisition Meta, Google, TikTok, organic
2,847 today
02
AI Qualification Conversational intake & intent scoring
1,392 qual.
03
Eligibility & Match State, budget, product, agent fit
812 routed
04
Live Transfer Warm call to a licensed agent
341 live
05
Application Bound e-sign, Stripe, carrier issuance
$1.2M AP
For Licensed Agents

Agents don't prospect.
They close.

Insurafix is the AI-powered inbound infrastructure for licensed life insurance agents. We generate the leads, our AI qualifies them, and your phone rings with someone ready to buy.

Inbound calls only — never cold call againLeads are pre-screened for budget, intent, state availability, and product fit before they reach you.
AI handles follow-up & appointment bookingMissed call? Our agent assistant nurtures, books, and warm-transfers — 24/7.
Built-in CRM, dialer, e-app, and commissions trackerEverything in one cockpit. No chasing 7 different SaaS tools — built for closers, not admins.
$40K+ months are the norm for top performersTop quartile of agents averaged $43,800 in monthly commissions across the last four quarters.
Apply to Join See income breakdown
app.insurafix.com / dashboard
Welcome back, Marcus
3 calls live This Month
Issued AP
$48.2K
▲ 22% vs last mo
Calls Taken
142
▲ 8%
Close Rate
31%
▲ 4 pts
Pipeline
$94K
63 active
Live Lead Queue View all
JR
Jasmine Reyes FL · Term Life · $750K · age 41
Transfer
DT
David Thompson TX · Final Expense · $25K · age 67
Hot
MK
Maya Khan CA · IUL · $1M · age 38
Warm
RS
Robert Singh NY · Mortgage Prot. · $400K · age 45
Warm
This Week Live
M T W T F S S
Today
$8,420
Pace
+18%
$0M+
in life insurance protection issued through Insurafix
0%
live transfer rate from qualified leads
$0
avg. monthly commissions for top-quartile agents
0min
median time from quote to bound coverage
From customers and agents

Trusted by families. Loved by closers.

I was approved for $1M in term coverage in eleven minutes — without ever leaving my couch. The whole experience felt like opening a Robinhood account, not buying life insurance.
SK
Sarah K. Software engineer · Austin, TX
Customer
Forty-three thousand last month, all inbound. I haven't dialed a cold lead since I joined. The AI coach reviews my calls and tells me where I'm losing closes — it's like having a sales VP on staff.
MJ
Marcus J. Top-1% Producer · Atlanta, GA
Agent
My husband and I had been putting off life insurance for three years. Insurafix made it embarrassingly easy. Twenty-five minutes, both of us covered, and a binder in our inbox.
ER
Elena R. Mom of two · Orlando, FL
Customer
I came from a captive shop. The volume here isn't even comparable. I doubled my income in 90 days and finally took my wife on the trip we'd been talking about for five years.
DV
Diego V. Senior Producer · Phoenix, AZ
Agent
The fact that I can update my beneficiary in two taps from my phone — at midnight, in pajamas — and have it confirmed by the carrier the next day still kind of blows my mind.
TP
Tomas P. Small business owner · Denver, CO
Customer
The CRM, dialer, e-app, and commissions tracker are all in one screen. My old stack was seven different logins. I will never go back.
AB
Amara B. Independent Agent · Charlotte, NC
Agent
Frequently asked

Answers, not asterisks.

How is Insurafix different from a traditional life insurance broker?
We replaced the paper application, the in-home visit, the paramedical exam, and the 4-week wait with a real-time underwriting engine, e-signature, and Stripe-powered premium collection. You get the same A-rated carriers, but bound in minutes rather than weeks — and our licensed advisors are paid a flat fee, so no one is steering you toward a higher-commission product.
Do I need a medical exam?
For most applicants under 60 in good health, no. Our accelerated underwriting program offers up to $2M in coverage with no needles, no blood work, and no in-person exam. If a fluid sample is required, we'll let you know during your application — not at the end.
Which carriers do you work with?
We're appointed with 14 carriers including Mutual of Omaha, Prudential, AIG, Foresters Financial, Americo, Transamerica, Nationwide, SBLI, Pacific Life, John Hancock, Lincoln Financial, and Symetra. All are A-rated or better by AM Best, with combined assets over $4 trillion.
What licensing do I need to apply as an agent?
An active life insurance license in at least one US state and a valid NPN. We'll handle carrier appointments, contracting, and onboarding through our digital onboarding portal. New agents typically go from application to first inbound transfer in 5–7 business days.
Are leads exclusive or shared?
100% exclusive. Every live transfer that hits your phone is yours alone. We never sell, recycle, or shop the same lead to multiple agents. If you don't close, we don't pass it off — we re-engage it through our AI nurture sequence and route it back to you when timing is better.
How is my data protected?
Insurafix is SOC 2 Type II certified. All data is encrypted at rest with AES-256 and in transit with TLS 1.3. We follow GLBA-aligned privacy practices, retain only the data required to bind a policy, and undergo continuous third-party penetration testing. You can request, export, or delete your data at any time from your dashboard.
Can I cancel my policy if I change my mind?
Yes. Every policy comes with a "free look" period (typically 10–30 days, depending on your state) during which you can cancel for a full refund of any premium paid. After that, you can cancel any time directly from your dashboard — no phone calls, no retention scripts.
Two doors. Pick yours.

Built for the people who buy.
Engineered for the people who sell.

For Consumers

Get covered in minutes — protect what matters for life.

Compare top carriers, lock in your rate, and bind a policy without leaving your couch. No paperwork, no needles, no nonsense.

Start your quote Talk to an advisor →
For Licensed Agents

Stop prospecting. Start closing warm inbound calls.

Plug into our AI lead engine, dialer, CRM, and commissions stack. New agents are typically on their first transfer within a week.

Apply to join See income breakdown →