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Is InstaBrain Right for You?

Get instant-decision term life insurance — quote, compare, and apply online in minutes.

✓ InstaBrain Works Best If:

  • You're between 18-60 years old
  • You're generally healthy with no major medical conditions
  • You're not currently taking prescription medications for chronic conditions (or you are, but they're well-controlled and stable)
  • You have a valid U.S. driver's license
  • You're a U.S. citizen or permanent resident
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💬 Consider Talking to Me First If:

  • You have diabetes, heart disease, or other chronic conditions
  • You've had cancer, a heart attack, or stroke
  • You take prescription medications for ongoing health issues
  • You've been declined for life insurance before
  • You're not sure which coverage option is right for you
  • You want help comparing rates across multiple carriers

Why? InstaBrain verifies your answers against your records. If there's a mismatch — even for conditions you consider minor or well-controlled — your application may be declined. A quick conversation can help us find the right carrier and avoid unnecessary declines.

Two Coverage Options

Term with Living Benefits

Includes chronic and terminal illness riders. If you're diagnosed with a serious illness, you can access a portion of your death benefit while still alive.

Best for: Most healthy applicants who want comprehensive protection.

Select: "Protect my family in the event of my death"

Pure Term

Traditional term life with terminal illness benefit only. Lower premium, straightforward coverage.

Best for: Those who want the absolute lowest cost.

Select: "Pure Term"

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I'm Ready — Continue to InstaBrain I'd Rather Talk First

Not sure? There's no pressure either way. If you start the InstaBrain process and have questions, you can always stop and reach out.

Dominic Franchi

Dominic Franchi

Independent Life Insurance Agent

Questions? I'm here to help you find the right coverage — whether that's through InstaBrain or by shopping multiple carriers on your behalf.