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Get Covered TodayAffordable Rates, 100% Digital, and.... No medical exams!
All Plans Available Term, IUL, Whole
All of our plans are... A+ rated
“I have been working with this company for several years. I have always been very happy with them. Check them out!”
Barb W.
“When I needed to get life insurance for my mother, I ended up also getting it for myself too....was blown away with the accuracy, details, and knowledge I got from them.”
Kevin S.
“Have looked at life insurance for a while now and, since I am 68 years old, was frustrated but they got me what I need, great rate, great people.”
James R.
“No pressure, no calls all the time, and I found a plan I didn’t even no existed, was approved that day. My husband too. Easy to deal with and knowledgeable.”
Wendy D.
“I have an awesome Agent....Provides great, timely, responsive communicative service, available by phone, text or email.”
Elizabeth F.
Atmos teaches you the secrets of Life Insurance, so you get the right plan
Over 60 years old? Your life insurance price will increase 10% every 6 months you wait to start coverage. With atmos, getting covered only takes 5 minutes. Ever wonder why certain types of policies are pushed so hard? You won’t once you learn about them!
Read about the options
Family.....is everything
It isn’t just about you leaving a LEGACY, it’s also about your FAMILY
Did you lock in the best price today?
We've got you covered. Want to get rid of life insurance sales calls? Lock in your best rate now, what are you waiting for? We don’t call you, we send you a message right to your phone, reply when you’re ready!
Protect my family
Quote, Ask, Learn, Apply
ALL from your phone!
Simplified issue vs. fully underwritten
AtmosLife offers term life insurance policies with both simplified issue and fully underwritten options. Understand the differences and what it means for you.
Learn moreSimplified issue:
Most of our term policies are simplified issue, meaning the application process and underwriting decision come instantly based solely on third-party data and the applicant's responses to health questions within the application. No medical exam is necessary.
Simplified issue underwriting may be right for you if:
- You need life insurance, but you aren’t sure you’d qualify for a traditionally underwritten policy
- You want a simple process without medical exams or lab tests
- You thought you couldn’t get life insurance because of your age or health
Fully underwritten:
We also offer fully underwritten term policies, a more traditional method that historically includes a complete application and medical exam. AtmosLife modernizes the process and doesn't require a medical exam but does include health questions within the application to help determine premium levels.
Fully underwritten policies may be right for you if:
- You’re in good health
- You’re looking for life insurance with a higher death benefit
- You don’t mind a longer application process
Why purchase with 
Fast process (no medical exams)
Our 100% online and hassle-free process makes it easy to apply. What traditionally took weeks can now be done in minutes, and you don't even need a medical exam (just answer a few health questions). There are some instances when underwriters need more information about your health to complete the application process.
Expert advice
You don't have to talk to an agent if you don't want to, but if you do, our licensed agents remain ready and eager to answer your questions. They're here to help you find the right life insurance policy for you.
Flexible coverage
Get anywhere from $20,000 to $2 million in term life insurance protection. Choose between 10-, 15-, 20-, and 30-year terms.
Free-look, money-back guarantee
Take your policy for a trial run with a 30-day money-back guarantee. If you're not fully satisfied in the first 30 days, we'll refund you in full. After that time, you can cancel your policy with no cancellation fees.
How to expedite your application
When you apply, answer each question with as much detail and accuracy as possible, and be sure to have the following information handy
If you’re asked to answer any follow-up questions, be sure to take care of these requests as soon as possible.
The policy issue process can be delayed until these steps get completed.
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1
Driver’s license
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2
Bank account details (for premium payments)
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3
Social security number
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4
Prescription information
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5
Personal and family medical history
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6
Beneficiary Information
All of your data is encrypted and HIPPA complaint
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