leap life review

Leap Life Review: Painless Life Insurance Approval With No Medical Exams

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Last updated on May 24, 2020

If you’re looking for peace of mind and hoping to provide for your loved ones in the event of an untimely death, life insurance is an important part of your financial plan.

Buying life insurance, however, can be a hassle. Sometimes you’re required to take a medical exam, and there can be a number of confusing options.

This is where Leap Life comes in. With the help of Leap Life, you can find a low-cost insurance policy that works for you–and you might not even need a medical exam. Here’s what you need to know about the company.

What is Leap Life?

Leap Life is an insurance broker that offers different plans underwritten by well-known carriers. The idea is that it should be possible to match you to affordable life insurance that meets your needs–without the need for you to jump through a bunch of hoops.

Leap Life’s main offerings are term life insurance policies. These are policies that are provided for a set amount of time, and that have one monthly premium for the entire term of the policy. Term life insurance doesn’t build cash value.

In the case of Leap Life, none of the policies are convertible, so you can’t change them into whole life policies later on. Additionally, you can’t get renewable term life insurance through Leap Life, so once your policy expires (in 10, 15, 20 or 30 years), you have to find a new policy.

How Does Leap Life Work?

As with any life insurance policy, Leap Life provides you with a way to reduce the financial risk to your dependents when you die. You pay a monthly premium and the company promises a set payout if you die while insured.

Leap Life offers a “Needs Calculator” that can help you figure out how much life insurance you might need, based on your current financial situation, family situation and other factors. Once you get an estimate, you fill out an online form to check your rate.

Using the calculator can give you a solid starting point. You should consider your situation with the calculator as a guide, however, since you want to make sure you’re really having your needs met with your life insurance policy.

Once you finish filling the form, you can choose from some basic options. Once you pick a route, you have to fill out a questionnaire that serves as an application. After that’s done, you’re given a more accurate premium amount. You choose a policy that fits your needs and budget, and Leap Life will help you do the rest.

You can either apply online or request a call from an insurance company. Once you receive final approval, you can start paying your premiums and, if your carrier has the option, begin managing your account online.

How Much Does Leap Life Cost?

When it comes to life insurance, you’re going to pay based on various factors, including your age, health, potential risk, size of your policy and the length of your term. Leap Life has policies starting as low as $14 per month.

However, here are some of the coverage parameters that will impact the cost of your Leap Life insurance policy:

  • Issue age: 18 to 75
  • Term lengths: 10, 15, 20 or 30 years
  • Coverage amount: Choose from $100,000 to $5 million

In many cases, if you’re getting less than $1 million in insurance, you might not need a medical exam, although that’s entirely up to the company providing the policy. You can reduce the cost of your premiums by going through a medical exam to prove your health, and by engaging in activities that are likely to help you live longer, as well as avoiding extreme sports and risky behaviors.

How to Sign Up with Leap Life

You can call Leap Life or you can complete the process online. Go to the Leap Life homepage and select “Get Started.” Or, if you’re not sure how much life insurance to get, use the drop down menu to go to the calculator. Once you’ve finished with the calculator, you can start the quote process.

Next, you’ll be asked basic questions, including:

  • Birthdate
  • Where you live
  • Height
  • Weight
  • Gender
  • Smoking status
  • Citizenship status

After those questions, you’ll provide basic information about your health habits, including medications, DUI, bankruptcy and medications.

Now you’ll have the chance to choose a policy quote, with information about coverage amounts, term length and estimated monthly premium. You can choose to customize your quote further, or you can select the “Apply Online” button and fill out a longer, more detailed questionnaire.

Once you finish filling out the application, it will be submitted, and you need to wait for final approval from the insurer.


Like many other online financial services companies, Leap Life makes an effort to keep your data safe. They use best practices to protect your information. Leap Life will inform you if there is a breach, and let you know what information was compromised.

Pros and Cons

Before you commit to a policy, it’s important to understand the pros and cons of using Leap Life.


  • Fill out the application online.
  • Access to phone help if you need it.
  • There are several options for coverage.
  • Leap Life only works with highly-rated insurers.
  • Low-cost options for term life insurance.
  • You might not need a medical exam.


  • Limited options beyond level term life insurance.
  • You might have trouble getting coverage with a pre-existing condition.
  • Some carriers might require a medical exam.
  • Not available in all states.

Found the pros overcome the cons? Give Leap Life insurance a try.


There are other companies out there that provide access to life insurance policies at a low cost, and even share some of the features. Companies like Policygenius and Bestow offer quick quotes on inexpensive life insurance policies from several companies. In some cases, Policygenius offers lower quotes than you might find with Leap Life.

Leap Life also competes with online insurance companies that provide direct access to policies. Ethos and Ladder are two examples of competitors that offer quotes on low-cost insurance. Ethos also might not require a medical exam to receive some of their coverage options.

Who Is It For?

Leap Life insurance is for those who want an easier way to find and purchase life insurance. It’s designed for those who like the convenience of using the internet to fill out applications and who want a quick, no-nonsense quote.

Those who benefit most from level term life insurance are those who are fairly young, and who can save the most money. If you need whole life for estate planning purposes, you might be better off using a different insurance company to get other quotes.

For the most part, though, those who are relatively healthy and young, and who are looking for a way to get quick coverage, can benefit from Leap Life.


Leap Life offers a way for you to get matched with an insurance policy that works for your needs. The process is simple, and many applicants can receive coverage without the need for a medical exam. Leap Life simplifies the process of getting health insurance, making it easy to understand and apply for.

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