Coverage options starting at $9.36/month

We help families find affordable coverage fast. 100% online. Coverage up to $2M.

How Xoomable Works

Here at Xoomable, we pride ourselves in providing affordable life insurance, FAST! Our goal is to find a policy that fits your budget, and we plan to do this with honesty, with ZERO pressure

Peace of mind for the price of a nice dinner

In just ten minutes, you can get qualified for a policy that can protect your family for generations

Affordable Protection

As low as $9.36/month with convenient payment options

No medical exam

Our online process means no blood draw or urine sample is needed

Honest, No Pressure advice

You don’t need to talk to an agent – unless you want to

Same Day Protection

Our agents are experts in finding you the coverage that best suits your family’s needs

Some of our carriers

Frequently asked questions

What kind of life insurance does Xoomable offer?

Term life, Whole Life, Universal Life, & Indexed Universal Life. We also have annuities

Can I get life insurance for my parents?

Yes, with their permission

Can you get life insurance if you have cancer?

Yes, depending on the kind of cancer and when it was last treated

I have insurance through my employer, isn't that enough?

Employer sponsored pays are great IF you plan to work there for the rest of your life, If not you should get your own insurance policy

Can I get life insurance on my children?

Yes, a parent or guardian can purchase a life insurance policy on a minor child 15 days old or older

How does cash value life insurance work?

A life insurance policy is a contract with an insurance company. The insurance company pays a lump sum death benefit to your beneficiaries in exchange for a series of premium payments.

Also, You can borrow money against your policy, if needed

Does Xoomable offer a money-back guarantee?

Yes, with our Term products.

How much life insurance do I need?

The rule of thumb is 10-times your annual income, but any amount is better than none

Is life insurance taxable?

Proceeds from a life insurance policy are tax-free.

What is the minimum age a person can get life insurance?

A parent can purchase a policy of an infant 15 days old or older. A person 18 years old can purchase a policy on themselves without parental involvement

What is the best kind of life insurance?

The best kind of life insurance is the one that is in place when you need it! Many people think of life insurance when someone passes away, however, we offer policies that can be used while you are still alive

Do I have to take a physical or have a medical exam?

In most cases no exam is required, unless there have been past health issues or the death benefit amount exceeds the insurance companies threshold

What if I was declined in the past?

We are able to get everyone approved, regardless of past declines

Can I borrow money from my life insurance policy?

Yes, with a Whole Life, Universal Life or Indexed Universal Life policy

Get Started Today!

Take the first step towards protecting your family and apply for life insurance online with Xoomable — with no obligation.

It's free and won't affect your credit score.