Life Insurance from Just $9.99/Month
Protect your family for less than the cost of a streaming subscription. Anyone can get covered today. No health exam required for most applicants. Apply in minutes and lock in your rate — whatever your situation.
Join over 200,000 families who chose ShieldPoint
Term Life That Fits Any Budget
Get Covered in 3 Simple Steps
Answer a Few Questions
Our 60-second questionnaire is all it takes. No lengthy paperwork, no invasive medical exams for most applicants.
Get Your Rate Instantly
Our AI underwriting engine calculates your personalized rate in seconds. No waiting, no callbacks, no guesswork.
Start Your Coverage Today
Approve your policy, set up payment, and your family is protected — often within the same hour you applied.
What Makes Our Term Life Different?
Flexible Terms
Choose 10, 15, 20, or 30-year coverage. You decide how long your family stays protected.
Rate Lock Guarantee
Your premium is locked in the day you apply. It will never increase for the life of your policy.
Convert Anytime
Upgrade to a permanent whole life policy at any point — no new medical questions required.
Instant Decisions
Most applicants receive an instant approval decision. We use data — not delays — to get you covered fast.
$9.99/Month. Real Coverage. Real Protection.
There's no reason to wait. The sooner you lock in your rate, the more you save over the life of your policy. Don't let another day go by without protecting your family.
Apply Now — Free Quote