Leap Life Insurance Review - No-Exam Term Life Insurance Policies

(Editor Rating)



One small step for you, one giant leap for life insurance. Find out how Leap Life can make finding life insurance a breeze with just a few clicks online.

Visit Site

Policy Options




Mobile Accessibility


Ease of Use


Customer Service




  • Various ways to apply
  • Highly-rated partners
  • No-exam policies

Editor's note - You can trust the integrity of our balanced, independent financial advice. We may, however, receive compensation from the issuers of some products mentioned in this article. Opinions are the author's alone, and this content has not been provided by, reviewed, approved or endorsed by any advertiser.

LeapLife Insurance is an online life insurance agency that focuses on quickly and efficiently connecting customers with the best possible life insurance options for their particular needs. The company has a flexible process for getting life insurance, so you can choose the option that fits you best.

What is Leap Life?

Leap Life Insurance isn’t an actual insurer itself. Instead, it’s an agency that hooks up customers with quotes for various life insurance agencies. You can apply online for an instant decision on a no-medical-exam policy, or you can talk to a licensed life insurance specialize to get more in-depth about a policy that suits your needs perfectly.

Leap Life uses a combination of online tools and personalization that helps you find the term life insurance policy that works best for you.

Related: Term vs Whole Life Insurance: What’s the Best Option for You?

Leap Life Options and Features

Leap Life Insurance specializes in only term life insurance, which is the best option for the majority of consumers. They offer insurance policies from a variety of companies, including Lincoln, Assurity, Prudential, Protective, Pacific Life, and TransAmerica.

When you fill out their preliminary application for life insurance, Leap will give you the best coverage option from the most affordable company on its list. But you can also check out other options if you’re looking for a specific insurance carrier.

Leap Life Pricing and Fees

As with all life insurance products, Leap Life connects you with products that vary in price depending on your personal circumstances, life insurance needs, and coverage preferences. They say quotes range from just $14 per month on up from there. When I ran through the process, I got quotes from Assurity that are below:

Leap Life Quotes

Your specific pricing will depend on all these factors, so it could be wildly different from what you see here.

One thing to note, though, is that you won’t have to pay Leap Life anything for getting you the insurance policy. Insurance companies like Leap get payment from the insurers when they connect customers to the right insurance policy.

Leap Life does focus on working with insurers known for their low life insurance rates. With that said, they don’t get quotes from every potential company around. So if your goal is to find the absolute lowest price, you may want to look at other brokers, as well, so you have a broader variety of life insurance companies to choose from.

Resource:  The Complete Guide to Life Insurance

Applying for Life Insurance

The quickest option for Leap Life is to fill out their quote form, choose the coverage that you want, and then go through the application for the no-medical-exam life insurance. A policy without a medical exam can be a good option if you want to get your coverage started quickly. But if you’re in truly excellent health, you might actually miss out on potential savings without a medical exam. If an exam proves that you’re in above-average health, you may qualify for even lower rates.

With Leap Life Insurance, you can also call in to speak to an agent and apply over the phone. This can be helpful if you aren’t sure what you need when it comes to coverage, or which company you should go with.

The application process can take less than 10 minutes, but that depends on the coverage you’re applying for and your specific health factors. Bottom line: You’ll have to provide Leap Life with lots of personal information to get a life insurance policy. But that’s just how it works!

Leap Life Security

Leap Life notes that third parties may collect your data from their site, but since you’re applying for a life insurance policy with them directly, you probably won’t get a million emails from life insurance companies like you do when you fill out a preliminary application with an aggregator service. They use standard security protocols and encryption to keep your information as safe as possible.

Mobile Accessibility

Leap Life doesn’t have an app, but they have a very mobile-friendly site, so you can definitely do the application process online.

Customer Support

Many online life insurance brokers only give you phone access to their support people as a last resort. But with Leap Life, if you prefer to talk to someone about your policy rather than doing the whole process online, you can do that. They offer a customer support number right up front if you want to talk to an agent. And their agents are available by phone or email whenever you have questions about the process. Leap Life also has an A+ rating with the Better Business Bureau.

Pros and Cons


  • Offers a variety of term life insurance policies: Leap Life Insurance can give you access to a variety of term life insurance policies at various rates, so you can choose the policy that works best for you.
  • Various ways to apply: With many online brokers, you have to fill out all your data through the online system, but with Leap Life, you can do the whole process over the phone if that’s your preference.
  • Highly-rated partners: Leap Life Insurance works with many life insurance companies, all of which are highly rated in the industry.
  • No-exam policies: If your goal is to get term life insurance coverage as quickly and easily as possible, Leap Life makes it simple by offering a lot of options for no-exam policies.


  • Doesn't offer term life insurance online: While term life insurance is the best option for most people, some people may still need a whole life policy. You can’t get those with Leap online, so you’ll have to either call them or look elsewhere.
  • Doesn’t give you quotes from every possibility: As with all brokers, Leap will give you quotes from the companies that it partners with. This is a lot of companies, but definitely not all of them. So be aware that you may not be getting quotes from all potential insurers when you work with Leap.


There are plenty of online life insurance brokers like Health IQ and Ethos. And there are specific life insurance companies like Haven Life that let you apply for their policies directly online. To make sure you’re getting the best possible quotes, you might run your personal information through a couple of different brokers before you decide who you’re ultimately going to work with.

Related: Best Whole Life Insurance

Who is Leap Life For?

Leap Life is a great option for those who are in the market specifically for no-exam term life insurance policies. It’s an especially smooth application process if you already know what you want and are ready to choose a policy and run with it.

Also Read: Bestow Review – Real Life Insurance Rates

Bottom Line

With all the online life insurance brokers proliferating these days, it can be hard to know what sets one apart from another. Leap Life’s easy access to brokers by phone is a great option if you have questions about which policy is best for your particular needs. And it’s another great option to make sure you’re getting the best possible quotes for life insurance, too.

Author Bio

Total Articles: 279
Abby is a freelance journalist who writes on everything from personal finance to health and wellness. She spends her spare time bargain hunting and meal planning for her family of three. She has a B.A. in English Literature from Indiana University–Purdue University Indianapolis, and lives with her husband and children in Indianapolis.
Article comments