Cancer history
Declined or postponed elsewhere? See the guaranteed-issue and simplified-issue options built for prior diagnoses.
Learn more → Life insurance for real life
Coverage that sees the whole you.
We help people who were declined elsewhere, or quoted too much, find honest term life coverage sized to their real obligations. No exam surprises, no sales scripts.
- No-exam coverage options
- Independent, no sales pitch
Built for real life situations
Coverage for the moments other insurers overcomplicate
We start with the situations people are most often turned away for, and show what actually works.
Pilot / aviation
Private and commercial pilots get quoted with aviation exclusions. We show carriers that cover the cockpit.
Learn more →Small business owner
Key-person and buy-sell coverage sized to your revenue, loans, and partners, not a generic multiple.
Learn more →New parent
Replace years of income and fund an education without overpaying for coverage you will not use.
Learn more → Real stories from real people
People we helped get covered
“Two brokers turned me down after my diagnosis. CoverKin walked me through guaranteed-issue options I did not know existed.”
Marcus R. · Cancer survivor“I fly for a regional airline and kept getting hit with aviation exclusions. I finally found a policy that actually covers me.”
Priya S. · Commercial pilot“New baby, tight budget. The calculator sized exactly what we needed and nobody tried to upsell us.”
The Alvarez family · New parents Why choose CoverKin?
Straight answers, no commission bias
- No-exam optionsSimplified and guaranteed-issue paths for people who cannot pass a traditional medical exam.
- Independent, not an insurerWe do not sell policies. We show the math so you can shop with any carrier.
- Real numbers, citedEstimates use published actuarial rate tables and the DIME framework advisors use.
- Licensed-reviewer checkedEvery guide on a health or money topic is reviewed by a licensed professional before it publishes.
Security, privacy, trust
Your inputs stay in your browser. No agent calls, no data resale, ever.
Private by design Licensed-reviewed Cited sources
FAQ
Frequently asked questions
How much life insurance do I actually need?
A common starting point is the DIME method: cover your Debts, Income replacement for the years your family needs it, Mortgage, and Education for dependents. Our calculator estimates this for you.
Can I get coverage with a pre-existing condition?
Often, yes. Depending on the condition you may qualify for fully underwritten, simplified-issue, or guaranteed-issue coverage. We explain the trade-offs for each so you can compare honestly.
Do I always need a medical exam?
No. Many carriers offer no-exam policies. They can cost more per dollar of coverage, so we show when the trade-off is worth it.
Is CoverKin an insurance company?
No. CoverKin is an independent research resource. We do not sell policies or employ agents. Some quote links are affiliate links, which never change our math or recommendations.
Is my information private?
The calculator runs entirely in your browser. We do not require an email address and your inputs are never sent to an agent.