Question 1

Do I need a medical exam?

Accepted Answer

For the vast majority of families, no — no needles, no blood draws, no nurse visiting your home. You simply answer general health questions online and the carrier reviews them electronically. The one exception: if your health history is more complicated, a carrier may ask for a few extra details or an exam to make sure you get the fairest possible rate. Either way you're not on your own — our technology and AI scan our licensed carrier partners, and a licensed agent reviews the results with you to find the best rate available for your situation.

Question 2

How fast will I hear back?

Accepted Answer

A licensed agent will personally reach out within 24 hours of your application — by phone or email, whichever you prefer. They'll go over your options with you. Note that hearing from an agent is not the same as being approved; the carrier still reviews and underwrites every application.

Question 3

What does term life insurance cover?

Accepted Answer

Term life insurance pays a tax-free cash benefit to the people you name if you pass away during the policy term (commonly 10, 15, 20, or 30 years). Families typically use it for a mortgage, everyday bills, childcare, education, or final expenses — there are no restrictions on how your beneficiaries spend it.

Question 4

How much coverage do I need?

Accepted Answer

A common starting point is 10 to 15 times your annual income, plus any debts like a mortgage and future costs like college. But the right number is personal. Your agent will help you think it through based on your family, your budget, and what you'd want covered if you weren't there.

Question 5

Is this real insurance backed by licensed carriers?

Accepted Answer

Yes. Surelii is not the insurance company — we help you apply for policies issued by licensed, highly rated insurance carriers. Every policy is a real contract with a real carrier, and every agent you speak with is licensed in your state.

Question 6

Will my rate change or can I be denied?

Accepted Answer

Quotes are estimates until a carrier underwrites your application. Your final rate depends on your age, health answers, tobacco use, coverage amount, and the carrier's decision. We won't promise instant or guaranteed approval — but your agent will tell you honestly where you stand.

Question 7

Do you speak Spanish?

Accepted Answer

Yes. We have Spanish-speaking licensed agents, and you can browse this entire site in Spanish using the language toggle at the top. Just let us know your preference when you apply and we'll match you accordingly.

Questions, answered plainly

Your family is worth a few minutes today