How it works: our quick, easy application

Apply for life insurance online in just a few minutes with Cardinal's simple application. No medical exams are required. Just answer a few health questions — many customers enjoy same-day coverage!

Fast, easy life insurance you can trust.

Get coverage in 3 easy steps:

1

Get a quote

To get a life insurance quote online, simply answer a few questions about yourself and see estimated costs for various policy options.

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2

Apply in minutes

Our secure, online application is fast and straightforward—you can complete the process in about 5 minutes.

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3

Get coverage

Once you submit your application, we'll process it quickly (often instantly) and let you know about your coverage eligibility and rates. If approved, you can activate your coverage immediately.

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See if no-exam life insurance works for you

Our application is free and won't affect your credit score.

What to expect when you apply:

Cardinal takes the guesswork out of the application process. Answer a few basic questions and see which products offer the best fit for your coverage needs.

How do you determine what policy is best for me?

We start with your age. If you're between 66 and 85, you qualify for our guaranteed-issue whole life policy and are automatically approved. 

Applicants ages 20 to 65 are eligible for our term policies. Using the information on your application as well as our proprietary technology and smart underwriting, we can offer a range of coverage options.

Who can apply?

All U.S. citizens ages 20 to 85 can apply. Cardinal is licensed and operates in the District of Columbia and every U.S. state except New York.

What information do I need?

To ensure your application goes quickly and smoothly, have the following information handy:

• Driver's license
• Social Security number (to verify your identity)
• Personal and family medical history
• Current prescription information

Why do we need this information?

To provide you with instant coverage, we ask for your driver's license information and social security number to verify your identity in real-time. Having your medical history and prescription information gives us a clear picture of your health without requiring a medical exam. Rest assured that this information remains secure and confidential.

What if I change my mind during or after my application?

You may start an application and withdraw from the application process at any time without penalty. Before issuing any coverage to you, we will tell you the amount of coverage and premium we will offer you. If you like our offer, you can add your electronic signature at the end of the application to confirm the information provided is correct, and you will be issued coverage. You always have a 30 day period to cancel coverage and get your money back if you change your mind.

What kind of questions will I be asked?

Depending on which of our products you qualify for, the application process will vary.

Applicants between 66 and 85 are eligible for our guaranteed issue whole life policy and can get approved after answering a few simple questions.

Term policies require additional questions, but applications can still be completed in minutes. In general, you can expect questions related to:

• Your health
• Your legal and driving history
• Your health insurance history
• Your employment and income status
• Your lifestyle and hobbies
• Your drug and/or alcohol use

Please note that all prices quoted are subject to change, including due to underwriting.

How do policy claims and payouts work?

Your beneficiaries can easily file a claim and receive a cash payout. If you pass away while your coverage is in force, your beneficiary files a claim with your insurance carrier. The carrier will then issue the death benefit payout.

Assuming there are no unusual circumstances, your beneficiary will receive an untaxed, lump-sum payment for the policy's value (the death benefit). Suppose you purchase $250,000 in coverage. In that case, your beneficiary will receive a tax-free $250,000 lump-sum payout. In some instances, the payout may shift slightly due to policy loans or the inclusion of a graded death benefit (if you have a whole life policy with a graded benefit). See your policy documents for more details

Exclusions



There are several reasons why a claim might not be paid. These include fraud, misstatements, or material misrepresentations of the information provided in your application. That's why it's important to be truthful in your application. A claim can also be denied if the insured's death results from suicide in the first two years of the policy being in effect. Details may vary by state, so refer to the policy or ask us for additional information.