Get life insurance without the runaround
You want coverage that fits your life, not a sales pitch. Answer five quick questions, see your number on the next screen, and then talk with a licensed agent who writes the policy himself. You never answer a medical question to get started.
Free quote. No obligation. No medical exam to get started. Licensed in eight states.
Which one brings you here today?
Mortgage Protection
Your mortgage is the biggest bill your family carries. If you die, this coverage pays it off, so nobody has to sell the house to keep up. Because the benefit follows the loan, approval often moves faster than a fully underwritten policy.
Final Expense
Funerals cost more than most families keep in savings, and the bill arrives within days. This coverage pays your beneficiary directly, so they cover the service, the burial or cremation, and the small debts that never go away. Meanwhile, your premium locks at the age you buy.
Term Life
Term life gives you the most coverage for the lowest premium. You pick the amount and the length, whether that means 10, 15, 20 or 30 years. Then your rate stays level for the whole term. As a result, it works hardest for young families who carry a mortgage and raise kids.
Not sure how much coverage you need?
Most people guess, and most people guess low. The DIME method adds up four things: your debt, your income, your mortgage and your education costs. In fact, the calculator also subtracts the savings and the coverage you already hold. After that, you see the gap you actually need to fill. It takes about two minutes, and then you keep the number either way. Read how the DIME method works.
Why families work with Canopy
- You talk with a real licensed agent. The person who writes your policy answers your questions, before and after you buy.
- We shop the carriers for you. Companies treat age, health history and state differently, so we compare them and find the fit.
- No pressure and no obligation. Ask your questions, get a real number, and then decide on your own time.
- Coverage shaped around your mortgage, your kids or your final wishes instead of whatever product we want to push this month.
Questions we answer every day
Do I need a medical exam?
Many of the plans we write skip the medical exam, and some ask no health questions at all. Your age, the coverage amount and your state decide which options open up. Your agent tells you exactly what you qualify for before you apply for anything.
How much will this cost?
Age and coverage amount drive almost all of the price, so the same $250,000 policy costs a 35 year old a fraction of what it costs a 60 year old. For that reason, the only way to get a real number is a real quote, and you carry no obligation to take it.
What if a company turned me down before?
That happens often, and it usually means someone tried the wrong carrier first. Because every company publishes different guidelines, tell your agent what happened and we look at what is actually available.
Where is Canopy licensed?
Canopy Insurance Partners is licensed in Idaho, Washington, Oregon, Georgia, Tennessee, Texas, Mississippi and Arkansas. If you live somewhere else, we cannot write your policy yet, and we will tell you straight instead of taking your information.
Two ways to move forward
Start with the numbers, and then decide. The calculator asks five short questions, gives you your Canopy Number on the next screen, and follows up with real rates from carriers that write in your state. If you would rather talk first, an agent will walk you through the same questions on the phone.
Canopy Insurance Partners is licensed in ID, WA, OR, GA, TN, TX, MS and AR. Coverage and rates depend on the carrier, your age, your health and your state. We are not affiliated with any government agency. When you submit your information, you agree that we may contact you by phone, email or text about life insurance options, and you can opt out at any time.