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Everyday Life Review

Find a customized quote easily

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Michael Graw
Michael Graw
May. 03, 20214 min read

Everyday Life Insurance summary

Everyday Life is an insurance company founded in 2018 that takes a unique approach to life insurance. Instead of setting you up with a whole life policy, Everyday Life tailors your policy to meet your financial obligations. So as your kids grow up and your mortgage is paid off, your insurance policy will scale down and your premiums will drop. Everyday Life partners with 7 insurers to offer its policies and doesn’t issue policies on its own.


  • Life insurance tailored to your finances
  • No medical exam needed
  • Coverage up to $10 million


  • Automated plan scaling isn’t right for everyone
  • Limited customer support hours
Everyday Life Insuranceat a glance

Editorial score

Coverage type

Offers both term and whole life insurance with no medical exams required.


Customization of policies

Customizable rates and deductibles, upgrades and downgrades available, decide whether to buy with an agent or buy online


Customer services and support

Web-based support only


Online experience

Online fast application, learning resources, access to rates before application


Direct insurer?

Independent broker


Everyday Life Insurance Everyday Life Insurance Visit Site

Who Can Benefit From Everyday Life?

Everyday Life offers scalable life insurance policies that ramp up and down over time in response to your financial obligations. This approach is ideal for parents and professionals who want to match their life insurance to their needs. With term policies up to 40 years available, Everyday Life is also a good option for younger individuals looking for an affordable policy. That said, anyone up to 75 years old can purchase a policy from Everyday Life.


Everyday Life offers a new take on life insurance that predicts how much coverage you’ll need over time and then provides you with just the right policy. Everyday Life’s plans are designed so that the level of coverage you have is perfectly tailored to your financial obligations at every stage of your life. If you get married, have a child, or purchase a home, your life insurance coverage will go up. Over time, as your children grow up and you pay off your mortgage, your policy will scale down. Policies are available for up to 40 years, and you can update the schedule for changes to your policies as life events happen.

  • Scalable policies that automatically adapt to your financial situation
  • Offers policies from 7 established life insurance providers
  • Terms available up to 40 years
  • Coverage up to $10 million

Application Process

Everyday Life insurance offers a fully online application process, although you can also call to get one-on-one help from an agent. An online assessment tool will ask about you, your family members, and your income and financial obligations.

Based on that information, the tool will calculate a customized insurance plan for you that scales down over time. You can see what company the insurance policy is offered by, how much coverage you’ll have in each year of your plan, and what your premiums will be. If you want to change your coverage or scaling schedule, you can do so manually. Everyday Life lets you choose how long your coverage should last, how frequently it should step down, and how much coverage you want at each step. Your quote is updated to reflect the premiums at each step so you can see how much your plan will cost.

If you want to purchase the coverage shown, you’ll need to complete an application with Everyday Life. Most plans do not require a medical exam as part of your application.

Policy Types and Terms

Everyday Life offers term policies from 7 established life insurance companies, including well-known insurers like Legal & General and Fidelity Life. You can choose from 10, 15, 20, 25, 30, 35, or 40-year policy terms. Your coverage and premiums will automatically scale over time according to the schedule you choose, although you do have the option to make changes to your plan as changes happen in your life. Plans are renewable and can be converted to whole life insurance plans during your first policy term.

  • Must be under 75 years old
  • No medical exam required
  • 10, 15, 20, 25, 30, 35, or 40-year policy terms
  • Can be converted to whole life insurance 

How Safe Is It?

Everyday Life uses SSL encryption to secure your online application. All of the life insurance plans that Everyday Life offers are underwritten by established insurers with an “Excellent” rating or better from A.M. Best.

Help & Support

Everyday Life offers customer support by phone and email from 8AM-5PM (ET) Monday-Friday. The company offers detailed explainers to help you learn about life insurance. However, there’s only a small FAQs page explaining how Everyday Life’s policies work.

Phone: (888) 681-3811


Bottom Line

Everyday Life offers a new approach to life insurance. The company lets you set up a scalable plan so that your insurance coverage matches your financial obligations. As a result, you’re only ever paying for the level of coverage that you need. Everyday Life’s scalable plans can be customized to suit your life path and changed over time as your path curves.

Everyday Life partners with 7 established insurance providers to underwrite your policy, so you can be confident your plan will pay out when the time comes. There’s no medical exam required to apply and you can select a policy term up to 40 years. You also have the option to convert your plan to whole life insurance during your first term.

Everyday Life Insurance Everyday Life Insurance Visit Site

Physical Address

Everyday Life, 695 Atlantic Avenue, 9th floor, Boston, MA 02111

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Everyday Life Insurance
Everyday Life Insurance

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