We all want an easy life

We all want an easy life

We all want an easy life 1920 1280 DeadHappy

There’s no such thing as easy life insurance, and there hasn’t been for a long time. Until now…

The life insurance industry has got itself into this mindset of ‘longer term is always better’, and the argument is clear. If you want to be 100% sure to get a payout when you die, you must get a policy that covers you for as long as possible… 20 years, 30 years, sometimes more.

But when the consequences of doing so are:

1. It makes the price really expensive.

2. It makes signing up really difficult.

It makes you wonder whether there might be a better way… something that gives you similar protection, but done in a smarter way so it’s much cheaper and easier.

Well, it made us wonder.

And after much wondering, we came up with a product that we think gives you really great protection, but at a much lower price (read more about why here) and probably even more dramatically… Takes less than 3 minutes to sign up for.

Compared to a typical timeframe of somewhere between an hour and several days by our reckoning of the rest of the market.

So why is this?

It all comes down to the product design itself. Instead of a long-term policy, ours is pay-as-you-go. It’s a familiar concept, but never before applied to life insurance. Essentially you pay us each month, and if you die in that month, then your next of kin get a payout. If you decide you don’t want it anymore, don’t pay us, and it stops. Simple.

Because our product is short-term, it’s not such a massive bet for the insurer, and therefore we don’t need to know every single little detail about you, your health, your family history, your lifestyle, etc….

We’ve managed to whittle it down to just 4 questions.

It means you can tell us the important things really quickly and easily, and it’s enough to make a decision about whether we can insure you or not. In fact…

The average time for completing the ‘4 questions’ part of our process is less than a minute.

Sometimes we might need to know a bit more info, and that might take you a few seconds more, but we figure it’s better to only ask extra questions if we really need to, rather than ask everyone everything.

But, what about that long-term security I get with a long-term policy I hear you ask?

This is the smart bit. Although our plan is PAYG, every plan comes with a 10-year‘ lifeline’. That’s the length of time we guarantee to keep you covered if you get diagnosed with an illness. Even smarter is that you can renew this lifeline for free every year (assuming your health is about the same). That means every year you can start with a brand new 10-year lifeline to fall back on if something does happen to your health.

We are pretty proud of this little thing, it’s not rocket science, but by recognising the fact that most of us stay healthy for the majority of the time we hold a life insurance plan, we keep the sign up process down to a minimum, and let you focus more time on deciding what you want to happen when you die. Which we think is the more important part anyway.

We love feedback, so let us know what you think.

Updates & Legal gumph
Current Version 2.1
DeadHappy
  • Added
  • Hey Bowlhead video
  • Updated
  • Lifeline guarantee extended to 10 years.
  • Plan RulesView Rules
  • Improved
  • Life insurance acceptance for mental health issues
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