Pure term does one job and does it well. A level death benefit for the term you choose, priced lean because it skips the extras. The Brain reads your application as you fill it out, runs the risk math in real time, and returns an answer in minutes. No exam, no waiting.
Why pure term
Some people want term coverage with living benefits built in. That is InstaBrain Term. Others want maximum coverage for minimum premium and nothing else on the invoice. That is Pure Term. Terms run 10, 15, 20, or 30 years, coverage runs from $50,000 up to $1,000,000, and issue ages are 18 to 60.
How the application works
Quote to application to decision, fully digital and open around the clock. If pure term is not the right fit, the platform can pivot you to a more appropriate product in the same session. Policies are issued by Fidelity Life, a licensed, rated carrier, and sold through licensed professionals. InstaBrain is the AI-native technology platform that makes the whole thing fast.
Straight answers
- What is pure term life insurance?
- Pure term is straightforward term life coverage. A level death benefit for a set term, at the lowest price in the InstaBrain lineup, without the living benefits package that comes with InstaBrain Term. You choose 10, 15, 20, or 30 year terms.
- How is Pure Term different from InstaBrain Term?
- Both decide in minutes with no medical exam. InstaBrain Term includes living benefits. Pure Term skips the living benefits package and costs less. If price is the deciding factor, Pure Term is built for you.
- How much coverage can I get?
- Coverage starts at $50,000 and goes up to $1,000,000, subject to age and eligibility. Issue ages are 18 to 60.
- Do I need a medical exam?
- No. The Brain evaluates your application in real time and returns a decision in minutes. No needles, no nurse visit, no waiting on lab results.
- Is InstaBrain the insurance company?
- No. InstaBrain is an AI-native insurtech, the technology platform. Pure Term policies are issued by Fidelity Life, a licensed, rated carrier, and sold through licensed professionals.