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Get Covered TodayAffordable Rates, 100% Digital, and... No medical exams!
Plans Available Term, IUL, Whole
All Plans Available are... A+ rated
“I have been working with this company for several years. I have always been very happy with them. Check them out!”
Barb W.
“When I needed to get life insurance for my mother, I ended up also getting it for myself too....was blown away with the accuracy, details, and knowledge I got from them.”
Kevin S.
“Have looked at life insurance for a while now and, since I am 68 years old, was frustrated but they got me what I need, great rate, great people.”
James R.
“No pressure, no calls all the time, and I found a plan I didn’t even no existed, was approved that day. My husband too. Easy to deal with and knowledgeable.”
Wendy D.
“I have an awesome Agent....Provides great, timely, responsive communicative service, available by phone, text or email.”
Elizabeth F.
Atmos is here for you, going above and beyond to find Life Insurance that fits your goals
Are you over 60? Your life insurance rates will climb 10% every 6 months that you delay starting your coverage. With Atmos, getting started takes only a couple of minutes, and the whole process can take 15 minutes or less with no medical exam! Our process is designed to make finding the right life insurance plan easier than you imagined it could be!
Read about the options
Family is Everything
It's not just about leaving a Legacy behind, it's about protecting their Future
Looking to lock in your best price today?
We've got it handled, whether you're looking to cover your final expenses or leaving a nest egg, providing your family with security for the future. We know you're busy so we won't bother you with sales calls, we can handle the entire process over SMS and secure links. It's quick, simple, and entirely on your timeline- reply when you're ready!
Protect my family
Quote, Ask, Learn, Apply
On your timeline, no phone calls required!
Simplified Issue Term Life vs. Fully Underwritten Term Life
AtmosLife offers term life insurance policies, either fully underwritten or simplified issue. Read on to understand the difference and see which option might best fit your needs.
Learn moreSimplified issue:
Most of our term policies are simplified issue, which means a simple process requiring no medical exams. Even better, the application and underwriting decision is returned instantly and is based on only third-party data and the applicants responses to the health questions within the application.
Simplified issue underwriting may be right for you if:
- You need life insurance, but aren’t sure whether you qualify for a traditionally underwritten policy
- You want a quick and simple process, with no medical exams to schedule or lab tests required
- You thought your age or health would result in a long process with uncertain results, and want to know what your options are with no waiting.
Fully underwritten:
We also offer fully underwritten term policies, which employ a more traditional process that traditionally includes a complete application and medical exam. AtmosLife modernizes this process without requiring a medical exam, just answer the health questions in the application to help determine premium levels.
A fully underwritten policy may be right for you if:
- You’re in good health, with no major issues or history
- You’re looking for life insurance with a higher death benefit
- You don’t mind a longer application process
Why choose 
Our Quick and Easy Process
100% online and hassle-free, our system makes applying easy! What historically took days or even weeks is now done in minutes, and you don't even need a medical exam (just answer a few health questions). There are some instances when underwriters need more information about your health to complete the application process.
Expert advice
You don't ever have to talk with an agent unless you want to, but our licensed agents remain ready and eager to answer your questions through SMS, but we are here to help if a phone call is better for you. We're here to help you find the right life insurance policy for you, on whatever timeline works best for you.
Flexible coverage
Choose from $20,000 to $2 million in term life insurance protection, available in 10, 15, 20, or 30 year terms so let's see what works best for you and your family.
Try it Risk-Free, with a money-back guarantee
Take your policy for a trial run with a 30-day money-back guarantee. If you're not fully satisfied at any point during that time, we'll refund you in full, with no cancellation fees.
How to expedite your application
While answering the questions in your application it is critical that you be sure to answer each question as accurately, and in as much detail as possible.
If you’re asked to provide any additional information once it has been submitted be sure to respond as thoroughly and quickly as possible as the process to issue your policy can be delayed until these steps are complete.
Having the following information or documents available when you begin your application will make the process smooth and easy for you, and help to prevent unnecessary delays.
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1
Driver’s license
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Bank account details (for premium payments)
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3
Social security number
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Prescription information
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Personal and family medical history
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Beneficiary Information
All of your data is encrypted and HIPPA compliant
Peace of Mind, with our Top Rated Carriers
