The one policy that replaces you.
Term life exists for a single question: if your income stopped tomorrow, does your family keep the house? Apply online in about ten minutes. Most people never see a medical exam and get an answer before they put the phone down.
- No medical exam for most applicants
- A decision on the spot, not in three weeks
- An independent agent on your file afterward
Three steps, and none of them involve a filing cabinet.
Tell us where to send you
Six fields. Enough to confirm we're licensed where you live and to have a way to reach you if you get interrupted.
Answer questions about your health
Roughly ten minutes with our carrier. No paperwork, no agent appointment, no one coming to your house.
Get a decision, usually on the spot
Most applicants are approved immediately and can put coverage in force the same day. Nothing is charged until you accept.
The price is the same. The difference is who picks up in five years.
Buying life insurance directly and buying it through Sullivan James Insurance cost you exactly the same — the carrier pays the commission either way. What you get by going through an agency is a file that belongs to someone.
We've been an independent agency since 2016, and life is one line among many we place. When you buy a bigger house, when a second child arrives, when you finally need to look at the whole picture instead of one policy — that's the part a direct-to-consumer checkout doesn't include.
How long does the application take?
About ten minutes, start to finish, on your phone. Most applicants get an underwriting decision immediately rather than waiting days for one.
Do I need a medical exam?
Most applicants don't. Underwriting is accelerated and based on your answers plus data the carrier already has access to. Some applications are referred for additional review, and a small number will require an exam.
How much coverage should I carry?
A common starting point is ten to twelve times your income, adjusted for your mortgage balance, other debts, and what it would cost to get your children through school. You'll choose your amount and term length during the application.
Is Sullivan James the insurance company?
No. Sullivan James is an independent agency. We're licensed to place life insurance and we're paid a commission by the carrier when a policy is issued — it costs you nothing extra, and the price is the same as going direct.
What happens after I'm approved?
Your policy is issued by the carrier and you'll get the documents directly. We stay on the file as your agent, so when your situation changes — a new house, another child, a raise — you have someone to call who already knows your coverage.
Sullivan James Insurance is a licensed independent insurance agency, not an insurance company. Policies are issued and underwritten by the carrier, and all coverage is subject to underwriting approval, policy terms, exclusions, and limitations. Applying does not guarantee coverage, and no coverage is in force until the carrier issues the policy and the first premium is paid. Availability varies by state. This page is for informational purposes and is not an offer of insurance in any state where Sullivan James Insurance is not licensed.