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Leap Life Insurance Review
Leap Life Insurance Review
Leap Life Insurance Review
Leap Life Insurance Review
June 01, 2022 / Serguei Solokhine
Leap Life Insurance Review
Leap Life Insurance Review
June 01, 2022 / Serguei Solokhine


Leap Life is a US-based online life insurance aggregator founded in 2018. It offers term life coverage from 12 accredited industry partners. Simply fill out an easy, 5-minute questionnaire to receive quotes for 10-, 15-, 20-, 25-, 30-, 35-, or 40-year terms for death benefits from $100,000 to $5,000,000. Leap Life’s partners place a particular focus on providing coverage to hard-to-insure demographics like foreign nationals, applicants with poor credit, and those with preexisting medical conditions. Choose Leap Life if you want a quick, hassle-free application process and access to term life insurance with little to no medical or financial underwriting.


  • Easy-to-use interface
  • Quote within minutes
  • Anonymous, hassle-free quoting


  • Product range is limited to term products
  • Limited number of quotes presented due to few partners

Suitable For?

Leap Life’s features also make it ideal for consumers looking for a quick and efficient online application process. The application takes roughly 10 minutes to complete and can be done entirely online. Telephone and email customer support are also readily available, with the latter available 24/7.

Leap Life is also great for finding providers lenient to individuals who might otherwise find getting coverage challenging, like foreign nationals or persons diagnosed with mental disorders. This is because many of Leap Life’s partners focus on providing coverage with reduced medical and financial underwriting.

It is worth noting that Leap Life only provides quotes for term coverage from its providers, so customers looking for whole or universal life insurance will not be able to use Leap Life’s services.


  • Term policies range from 10 to 40 years, and lifetime policies available.
  • Very customer friendly—easy, fast online sign-up, telephone support Monday-Friday 8AM-6PM PST, and 24/7 email support.
  • Medical underwriting requirements vary by provider, and Leap Life’s specialty is locating insurers with reduced or waived medical underwriting requirements.
  • Leap Life will also attempt to locate insurers with lax financial underwriting requirements for customers with reduced credit scores.
  • No commission to Leap Life on top of your premiums—Leap Life is paid by the insurer, not the insured.

Policy Types and Terms Available

Leap Life itself does not offer any insurance products but acts as an intermediary between the consumer and the insurance provider. It offers a specific set of term life insurance policies from a list of approved partners. The majority of those partners offer insurance with reduced medical or financial underwriting requirements. The term policies available through Leap Life come in terms ranging 10-40 years, as well as lifetime. Death benefits range from $100,000 to $5,000,000.

Application Process

Applying with Leap Life is free and easy. You can get a quote without actually starting an application by using its Needs Calculator. You will be asked some basic information, like height, weight, and date of birth, but the process is entirely anonymous. After completing the Needs Calculator, you can receive a preliminary quote from Leap Life. If you liked the quote, starting the online application is a breeze.

To begin, hit Get Started, and input your personal information such as date of birth, gender, and state of residence. Answer the medical questions as honestly as possible to receive accurate quotes through Leap Life.

On the next screen, you will be presented with a series of quotes from LeapLife’s partners, recommended based on the information you provided. Here you can compare pricing for different amounts and term lengths. Select a quote that suits you best. Depending on the selected partner, you will either be asked to answer a few more questions or book a call with the selected insurance partner. In either case, the application process should not take more than 10 minutes.

Note that your application may require a wellness check, which can be booked directly from the application screen at a time and location of your choice. At this point, the insurer’s representative may conduct any medical tests required for underwriting purposes.

How Safe Is It?

Leap Life is rated A+ by the Better Business Bureau, and holds a 4.7/5 star (Excellent) rating on the review aggregator site TrustPilot from 137 customer reviews. All of Leap Life’s partners have a score of at least A- (Excellent) from AM Best. Overall, Leap Life is a reputable brand that only deals with equally reputable partners.

If you’re unsatisfied with your Leap Life insurance product, you can cancel or modify your policy at any time during the term without incurring a penalty. If you cancel within 30 days of taking out your policy, you will be refunded your premiums.

Help & Support

Leap Life offers telephone support Monday to Friday between 8 am and 6 pm Pacific Time, and 24-hour email support at Keep in mind, however, that as a brokerage, Leap Life is only able to assist with the initial application. The claims process will proceed with whichever Leap Life partner provided your policy.

Leap Life At A Glance

Leap Life provides easy access to term life insurance policies for applicants with subpar credit, pre-existing medical conditions, and foreign nationals. It can help you secure term coverage for 10-40 years on an amount between $100,000 and $5,000,000, with little to no medical or financial underwriting required. The application process is fast and easy, and you can get multiple quotes from different insurers before you submit a formal application.

The application is done entirely online and usually takes about 10 minutes. Sometimes, a brief, 10-minute wellness check at a time and place of your choosing is required as well. If you need any assistance throughout the application process, you can call its customer service team 8AM-6PM Pacific Time, Monday-Friday, or reach them by email 24/7.

Leap Life is rated A+ by the Better Business Bureau, and only works with accredited partners that have an AM Best rating of A- or more. Choose Leap Life for a quick, easy life insurance experience with partners that prioritize minimal underwriting.

Physical Address

268 Bush St #290, San Francisco, CA 94104


Please see Leap Life’s Terms of Use document for its full legal terms and conditions.

By Serguei Solokhine
Serguei Solokhine is a freelance writer based in Vancouver, British Columbia. A digital nomad, he loves writing about finance, marketing, and travel. With degrees in finance and marketing, plus five years of experience in the financial services industry, Serguei particularly enjoys writing about personal finance and investments. Serguei’s work has been published in TechRadar, ITProPortal and MoneyVisual.