Life Insurance FAQS

Your biggest questions about life insurance – answered

Get the answers you need about life insurance, including what it is, how it can help build cash value, and getting coverage with Everly.

FAQs

Getting coverage with Everly FAQs

Discover how IUL TermVest+ can work for you

FAQs

Getting coverage with Everly FAQs

Why should I get life insurance with Everly?

Everly offers indexed universal life (IUL) insurance backed by deep expertise in indexed financial products. We're rated A- (Excellent) by AM Best, which assesses our financial strength and claims-paying ability.

Here at Everly, we’re dedicated to demystifying life insurance and building products that complement your financial goals; in other words, products Made for Living. Policyholders can expect easy-to-understand communication, transparent info about our products, and easy access to support when they need it.

Plus, we’ve built our digital experiences to be as enjoyable and intuitive as possible – because we know when you’re looking for answers about your policy, the last thing you want to encounter is friction.

How do I get coverage with Everly?

Everly works with financial advisors and insurance agents who can guide you through the coverage process and help you determine if an IUL TermVest+ Policy aligns with your financial goals.

Your advisor or agent will help you understand your coverage options, determine the right coverage amount and premium structure for your situation, and walk you through the application process. The application includes health and lifestyle questions that help determine your eligibility and pricing.

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What should I expect from the application process?

Everly's application process is designed to be straightforward and accessible - no medical exams required. Working with our partner PolicyGenius, most applicants complete the process in less than an hour.

You'll answer questions about your health history, lifestyle, and coverage needs. We know life insurance can feel intimidating, so we encourage you to ask questions throughout the process. Our goal is to demystify life insurance and make it more approachable.

60% of applicants receive a straight-through decision, meaning approval happens quickly without additional underwriting steps. If we need more information, we'll let you know what's required and guide you through next steps.

What happens after I buy my Everly policy?

After you purchase your policy through PolicyGenius, Everly's customer experience team will help ensure you experience a seamless transition. You'll receive your policy documents outlining your coverage details, premium schedule, beneficiaries, and policy features.

Through your policy portal, you can manage everything in one place - make premium payments, contribute to your cash value, download policy documents, update your information, and track your policy's performance. It's designed to give you full visibility and control over your coverage.

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