Pure term does one job and does it well. A level death benefit for the term you choose, priced lean because it leaves out the chronic illness rider that comes with InstaBrain Term. 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 with one benefit built in. 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.
What is built in
Pure Term includes an accelerated death benefit for terminal illness at no extra premium. If the insured is diagnosed with a terminal illness (a life expectancy of 12 months or less), up to 50% of the face amount can be paid as a lump sum, to a maximum of $100,000. The benefit becomes available two years after the policy is issued or last reinstated. Any amount paid, plus interest, reduces the death benefit your beneficiaries receive. The chronic illness rider and the larger 90% terminal illness rider are InstaBrain Term features. Receiving an accelerated benefit may be taxable and may affect eligibility for public assistance. Availability and terms vary by state. Policies are issued by Fidelity Life. The policy and rider forms govern.
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. One benefit is built in at no extra premium: an accelerated death benefit for terminal illness. The chronic illness rider that comes with InstaBrain Term is not included. 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 the full living benefits package. Pure Term has its own terminal illness benefit (up to 50% of the face amount, $100,000 maximum, available after the first two policy years), smaller than the 90% rider on InstaBrain Term, and no chronic illness rider. It 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.