Term Life · 20-Year Level
- Coverage band
- $500,000
- Illustrative premium
- $22–$30/mo
Why it surfaced
- No-exam path available at this band
- Level premium for the full term
★★★★★Trusted by families in all 50 states
Real coverage.Real people.Built around your life.
Our AI reads 40+ A-rated carriers in seconds. A licensed agent brings you the ones that fit. In plain English, on one call.
40+A-rated carriers
50States covered
700+Licensed agents
Two ways in.
For families
Protect your people.
Term, whole life, IUL, final expense, or retirement income. Every option in plain English, matched to where your family is right now.
For agents
Build your book with us.
700+ agents get high-intent inbound calls, 40+ A-rated carriers, AI sales tools, and real training. Bring your license. We handle the rest.
Backed by names you know.
40+ A-rated carriers, rated A or higher by AM Best. We shop them so you don’t overpay for the same coverage.
What we cover
Know exactly what you’re buying.
Five ways to protect what matters. A licensed agent helps you pick. No pressure, no jargon.
Term Life
The most coverage for the lowest cost. For the years your family depends on your income.
Learn more →
Whole Life
Coverage that never expires. Guaranteed cash value that grows every year you hold it.
Learn more →
IUL
Permanent coverage tied to a market index. Upside potential with a 0% floor in down years.
Learn more →
Final Expense
A smaller policy that spares your family the funeral bill. Simple to qualify for.
Learn more →
Annuities
Turn savings into income you can’t outlive. Tax-deferred, shielded from market swings.
Learn more →Not sure where to start?
Tell us about your family. A licensed agent points you to the fit. Usually in one call.
Talk to an agent →Sixty-second answer
See a real number first.
Two taps. No contact info. A live band from the same tables our agents read, before you ever talk to anyone.
Estimated monthly range
$22–$30 /mo
Illustrative 20-year term band for a non-smoker in excellent health. Your real rate comes from underwriting and a licensed agent.
An illustration based on typical industry rates as of 2026, not an offer of insurance or a guarantee of price. Final pricing comes from a licensed agent.
The engine
The whole market, read at once.
Our AI reads 40+ A-rated carriers against your profile. Rate class, riders, underwriting fit. A licensed agent calls with the three that fit.
Output three fits, never a list dump. Then a licensed agent calls to walk you through them.
Indexed Universal Life
- Coverage band
- $500,000
- Premium
- Shaped by funding level
Why it surfaced
- Index growth with a 0% floor
- Living-benefit riders available
Whole Life · Final Expense
- Coverage band
- $25,000
- Application
- Simplified · no exam
Why it surfaced
- Premiums never increase
- Built to spare the family the bill
Sample matches shown for illustration. Quotes and ranges are non-binding; final premium and eligibility are determined by the issuing carrier after application and underwriting.
Why families trust us
No call center. No script. Just a real person.
Why Checkmate
The difference is who answers the phone.
01
In-house licensed agents
The agent who answers is the agent who writes your policy. No lead resale. No handoffs. No scripts.
02
Plain English, always
Every term translated the moment we use it. You’ll know exactly what it costs and why it fits. Before you sign.
03
Multilingual support
English, Spanish, and Portuguese. The most important conversation about your family, in the language you live in.
Checkmate · No. 04How it works
Four steps, one real conversation.
1
Tell us about you
Two minutes, online or on the phone. No jargon. No credit check.
2
AI finds your options
Our AI shops your profile across 40+ A-rated carriers and surfaces the strongest fits.
3
Review together
A licensed agent walks you through them side by side. No pressure. Ever.
4
Get covered
Approve, and you’re protected. Most policies issue same-day or next business day.
The honest math
One application. The whole market.
Carrier rates are filed with each state. Using us never raises them. It just means one conversation covers every option at once.
With Checkmate
Going direct
Carriers compared
40+ on one application
One
Who answers the phone
The licensed agent who writes it
A call center
Your price
The carrier’s filed rate
The same filed rate
If underwriting says no
We pivot to the next fit
Start over elsewhere
Advice covers
The market
One company’s shelf
Availability and underwriting outcomes vary by carrier and state.
In their words
In their words.
Real reviews from families we’ve had the privilege of protecting.
★★★★★Read our Google reviews →★★★★★
“My agent was patient and clearly knew the products inside out. Every question got a straight answer, the pricing was explained up front, and there was zero pressure the whole way through. Easiest big decision I’ve made in years.”
TATina A.Verified Google Review
★★★★★
“It was my first time even thinking about life insurance and I knew nothing going in. They made it simple, never rushed me, and I walked away genuinely confident in the policy I chose. Couldn’t have asked for better.”
MBMarie B.Verified Google Review
★★★★★
“They helped me find a policy that actually fit my family and my budget. Knowledgeable, quick to respond, and they followed through on everything they promised. Ten out of ten. I’ve already sent friends their way.”
RHRakim H.Verified Google Review
Reviews are illustrative samples pending publication of verified Google reviews.
Before you call
All questions →The questions families ask first.
Do you use AI? Will I still talk to a real person?
Both. And that’s the point. Our AI does the heavy lifting behind the scenes, instantly shopping 40+ A-rated carriers and matching your profile to the strongest options. But a licensed human always reviews the recommendation and answers your questions. The AI assists; a real person is accountable for the advice. We don’t use bots to give you coverage guidance.
Will I need a medical exam?
Not always. Many policies offer simplified or accelerated underwriting with no exam, while others may request one for larger benefit amounts. Your agent will steer you toward the path that fits your health and timeline.
How long does the application take?
The initial request takes about two minutes. From there, simplified policies can be approved the same day or the next business day; fully underwritten cases take longer. We’ll set clear expectations up front.
Will my premium increase over time?
Level term and whole life premiums are fixed for the stated period. Some flexible policies can change based on how they’re funded. Your agent will tell you exactly which applies to your policy.
Is the life insurance through my job enough?
Often it helps, but it usually ends when the job does, and the typical benefit is one to two times salary. Most families carrying a mortgage or kids need several times that. An agent can read your workplace policy with you and cover only the gap.
How much coverage do I need?
A common starting point is enough to replace several years of income, plus debts like a mortgage and future costs such as education. Your agent will right-size it to your family rather than a rule of thumb. Want a number now? Try the free coverage calculator.
Start today
Let’s find the coverage that fits your life.
One free call with a licensed agent. English, Spanish, or Portuguese.
No obligation. No pressure. Just a licensed agent and a straight answer.