On this page13 sections
- Ratings and complaints
- Everyday Life Insurance vs. competitors
- Pricing
- Step by step
- Everyday Life Insurance legitimacy and licensing
- Everyday Life Insurance cost
- How it works and which insurers it uses
- Complaints and what to watch for
- Cancellation and refunds
- Rules that protect you
- What customers say
- Alternatives
- FAQ
Everyday Life Insurance is a legitimate, licensed independent broker, run by Everyday Life, Inc. since 2018 and still taking applications in October 2026 at everydaylifeinsurance.com. It doesn't issue policies: it recommends one from partner insurers such as Fidelity Life, Banner Life, Assurity and TruStage, and that insurer sets your price and pays claims. You can see quotes without giving an email or phone number, and many policies need no exam. BBB rates it A+ with no complaints in three years, but there's little independent review data, and its 4.8 Google rating is self-reported on its site.
- What it is
- Licensed independent insurance broker; it doesn't underwrite policies, and quotes are non-binding until the insurer approves you3
- Insurers offered
- Assurity, Fidelity Life, Banner Life and TruStage (MEMBERS Life and CMFG Life) are featured on its plans page2
- Policy types
- Term life, whole life, final expense and guaranteed acceptance whole life, plus mortgage protection2
- Advertised price
- Monthly prices starting at $3.65, coverage up to $100 million (advertised; your price comes from the insurer)1
- Licensing
- Licensed in all 50 states and D.C.; Massachusetts license 19082113; in California as Ev Day Life Insurance Services, Inc., license 60006573
- Founded
- Founded in 2018, began operations in 20194
- Contact
- (888) 681-3811; site footer lists 61 Medford Street, Somerville, MA, while its terms list Andover, MA and BBB lists Boston4
- Medical exams
- Fewer than 10% of its applications need one, the company says, mostly for higher coverage amounts4
Pros
- See quotes anonymously, with no email or phone required
- Compares several insurers for term, whole and final expense
- Many policies need no medical exam
- Licensed in all 50 states; A+ BBB rating with no complaints in three years
- Options for older applicants up to age 85
Cons
- Small broker with little independent review history
- Prices not published until you answer questions
- Claims and billing are handled by the insurer, not Everyday Life
- Company addresses differ across its site, terms and BBB
- Guaranteed issue policies pay a reduced benefit in the first years
Best for: People who want to compare no-exam term or final expense quotes online without being called by salespeople.
Skip it if: You want a long-established broker with thousands of verified reviews, or need complex high-value coverage planned with a dedicated advisor.
Everyday Life Insurance vs. competitors
| Company | What it is | Cost to you | Policy types | BBB |
|---|---|---|---|---|
| Everyday Life Insurance | Online independent broker | Free; insurers pay commission | Term, whole, final expense | A+, 0 complaints in 3 years |
| SelectQuote | Broker, agents by phone | Free; insurers pay commission | Term, whole, plus Medicare, home and auto | A+, 64 complaints in 3 years |
| AccuQuote | Agency, online form then phone agent | No fee published | Term, whole, universal, final expense | A+, 2 complaints in 3 years |
| Fabric by Gerber Life | Online agency for one insurer | Free to quote | Term only | B+, 8 complaints in 3 years |
Everyday Life Insurance pricing at a glance
Examples of policies Everyday Life offers, as listed October 20262
| Policy | Insurer | Coverage | Ages | Notes |
|---|---|---|---|---|
| RAPIDecision Life (term) | Fidelity Life | $50,000 to $2 million | 18 to 65 | 10 to 30 year terms, no exam, 24 to 48 hour approval |
| RAPIDecision Final Expense (whole life) | Fidelity Life | $5,000 to $35,000 | 50 to 85 | No graded period; level premiums |
| RAPIDecision Guaranteed Issue (whole life) | Fidelity Life | $5,000 to $25,000 | 50 to 85 | Death benefit graded in years 1 to 3 |
| TruStage Term Life | MEMBERS Life / CMFG Life | $5,000 to $300,000 | 18 to 69 | No exam; premium rises every 5 years; 30-day money-back guarantee |
| TruStage Advantage Whole Life | MEMBERS Life / CMFG Life | $5,000 to $100,000 | 18 to 85 | No exam; active 30 days after approval |
| TruStage Guaranteed Acceptance Whole Life | MEMBERS Life / CMFG Life | $2,000 to $20,000 | 45 to 80 | No health questions |
Everyday Life doesn't charge you a fee; brokers are typically paid commissions by the insurer. Premiums are set by the insurer after you apply. Assurity and Banner Life products are also listed; check their terms in your quote.
Everyday Life Insurance, step by step
Answer a few questions
Use its calculator anonymously, in about 2 to 3 minutes, to get a coverage recommendation and quote. No email or phone number is required.
Adjust the offer
Change the coverage amount and term to see pricing, or call a licensed agent at (888) 681-3811.
Apply with the insurer
Applications run about 10 minutes online or 30 minutes by phone, depending on the insurer, your age and state. Some need an exam.
Activate coverage
Once approved, pay the first premium to start coverage. If declined, Everyday Life says it will offer a backup option.
Manage or cancel
Billing, changes and claims go through the insurer that issued your policy, not Everyday Life.
Everyday Life Insurance legitimacy and licensing
Yes. Everyday Life, Inc. is a licensed independent insurance broker founded in 2018. Its legal page lists producer licenses in every state and D.C., including Massachusetts license 19082113, and it does business in California as Ev Day Life Insurance Services, Inc. BBB rates it A+, accredited since July 2020, with no complaints in three years.
The site is live at everydaylifeinsurance.com and quoting policies as of October 2026; the old elifelabs.com site now redirects there. Be aware that it is a small company: most of its customer feedback is self-reported, and the addresses it lists differ between its footer (Somerville), its terms (Andover) and BBB (Boston).
Everyday Life Insurance cost
Using Everyday Life is free. It advertises monthly prices starting at $3.65, but your real premium is set by the insurer after you apply, based on age, health, tobacco use, coverage and term. Quotes shown on the site are non-binding.
Small final expense and guaranteed issue whole life policies cost more per dollar of coverage than term life. Guaranteed issue plans skip health questions but pay a reduced or graded benefit if you die in the first two or three years.
How it works and which insurers it uses
You answer a short set of questions anonymously and get a recommended policy and price. If you go ahead, you apply with the insurer, online in about 10 minutes or by phone in about 30, depending on the carrier and your state. The company says over 90% of recommended policies are approved and fewer than 10% of applications require an exam.
Its plans page features Fidelity Life’s RAPIDecision term and final expense products, TruStage term and whole life, Assurity and Banner Life. The issuing insurer is the one that holds your policy, bills you and pays claims.
Key Takeaway: Everyday Life Insurance (Expert Score: 4.5/5.0)
Everyday Life Insurance earns a BestGuide Expert Score of 4.5/5.0, placing it among the top online brokers for accessible term and whole life coverage. As an independent digital brokerage, it matches shoppers to policies from established carriers, with no-exam options and a fully online application. It scores highest on Application Experience at 95%, and lowest on Pricing Transparency at 85%, since rates require a personalized quote.
Everyday Life Insurance earns an Expert Score of 4.5/5.0 from BestGuide, ranking it among the top online life insurance brokers for shoppers who want a fast, exam-free path to coverage. Everyday Life is an independent digital brokerage, not an insurer: it matches you to term and whole life policies underwritten by established carriers such as Banner Life, SBLI, and Fidelity Life. Our expert panel evaluated it across five service criteria. Everyday Life stands out for its streamlined online application and customer communication, though rates are only available through a personalized quote. Compare Everyday Life Insurance with other top-rated life insurance companies to see how it stacks up.
What customers say about Everyday Life Insurance
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Quotes without handing over contact details
- Helpful, low-pressure agents
- Quick online applications, often without an exam
Common complaints
- Very little independent review data to judge it
- Prices aren't published until you answer questions
- A partner program complaint on Trustpilot about misleading lead-generation ads for final expense policies
Complaints and what to watch for
We found no BBB complaints in three years and almost no Trustpilot reviews. One Trustpilot review describes ads run through its partner program that led callers to believe they were responding to government or Medicare offers before being sold final expense coverage. If you get a call or ad about free benefits that turns into a life insurance pitch, hang up and get quotes on your own terms.
Before buying, confirm the insurer’s name, the policy type, whether the benefit is graded, and how the premium changes over time.
Cancellation and refunds
Cancellation and refunds follow the insurer’s policy terms. TruStage policies offered through Everyday Life carry a 30-day money-back guarantee, and most states give a free look period on new life policies. To cancel later, contact the insurer that issued your policy; Everyday Life can help, but it doesn’t control billing.
Rules that protect you
Brokers and insurers must be licensed by each state where they sell. You can check a producer’s license through your state insurance department or the NAIC, and file complaints there. If an insurer fails, your state guaranty association covers life policies up to a limit, often $300,000 in death benefits.
Alternatives to Everyday Life Insurance
- Coverage through work Check employer group life first; it's often cheap or free, though it usually ends when you leave the job.
- SelectQuote Better if you'd rather be walked through quotes by phone with a larger agency. Read review
- Fabric by Gerber Life Better if you want a single A+ rated insurer with a published starting price and terms up to $5 million. Read review
- Amica Life Better if you prefer buying term or whole life straight from a mutual insurer. Read review
Everyday Life Insurance reviews
Written by readers, read by our moderators, never edited by the company.
No reader reviews yet. If you have used Everyday Life Insurance, yours will be the first.
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Frequently asked questions
Is Everyday Life Insurance trustworthy?
Yes. It's a licensed independent broker founded in 2018, licensed in all 50 states, with an A+ BBB rating and no complaints in three years. Your policy is issued by a separate insurer.
Is Everyday Life still in business?
Yes. As of October 2026 its site at everydaylifeinsurance.com is live and quoting policies. The older elifelabs.com address redirects there.
Who underwrites Everyday Life policies?
Partner insurers, including Fidelity Life, Banner Life, Assurity and TruStage (MEMBERS Life and CMFG Life). Everyday Life doesn't underwrite policies itself.
How much should you budget for Everyday Life Insurance?
The broker service is free. It advertises policies from $3.65 a month, but the insurer sets your actual premium after you apply.
Do I need a medical exam?
Usually not. Everyday Life says fewer than 10% of its applications need one, mostly for larger coverage amounts.
Can I get a quote without giving my phone number?
Yes. Its calculator gives a recommendation and quote without an email or phone number.
Does Everyday Life sell whole life and final expense?
Yes. Besides term, it offers whole life, final expense and guaranteed acceptance whole life through Fidelity Life and TruStage, for ages up to 85 on some plans.
How do I cancel a policy bought through Everyday Life?
Contact the insurer that issued the policy, or ask Everyday Life to help. Refunds depend on the insurer and your state's free look period; TruStage plans have a 30-day money-back guarantee.
Where is Everyday Life Insurance located?
In the Boston area of Massachusetts. Its site lists Somerville, its terms list Andover and BBB lists Boston; the phone number is (888) 681-3811.
Sources (9)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Everyday Life Insurance: Home (accessed October 12, 2026)
- Everyday Life Insurance: Our plans (accessed October 12, 2026)
- Everyday Life Insurance: Legal information and licenses (accessed October 12, 2026)
- Everyday Life Insurance: FAQs (accessed October 12, 2026)
- Everyday Life Insurance: How it works (accessed October 12, 2026)
- BBB: Everyday Life, Inc. (accessed October 12, 2026)
- Trustpilot: elife labs (Everyday Life) (accessed October 12, 2026)
- Trustpilot: everydaylifeinsurance.com (accessed October 12, 2026)
- NAIC: Consumer Insurance Search (accessed October 12, 2026)
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