How TermRunner Works

The eLife^® process from TermRunner offers the World's Fastest Life Insurance Policies through our cutting-edge technology process. Utilizing an innovative Web site developed by technology and insurance experts, TermRunner has simplified the process for you to purchase your Life Insurance policy.

With the eLife^® process, you will work with a licensed professional agent who cares about your situation and will work to find the best program to meet your specific needs. The eLife^® process includes instant issue policies for those who have no health issues. You only have to answer a few health questions and don’t have to take medical exams or tests. In this case, your policy can be approved in minutes. If you have some health issues we can still usually provide other options for coverage and make it an efficient process. Either way our goal is to provide you the coverage that is best for you and make it a positive experience. Please take a few moments to acquaint yourself with our process.

Get Your FREE Quote!
TermRunner lets you know almost immediately how much a Term Life Insurance policy will cost you to protect your loved ones. Speaking by phone with our agents and using a cutting-edge process, TermRunner is able to generate a free quote for you based on data such as date of birth, state, gender, and insurance amount.

Apply For Your Policy
After reviewing your price quotes, our professional agents will enter your answers to the health questions on the computer-based application to see if you will qualify. TermRunner is a licensed broker with well-known, trusted insurance companies such as RBC/Liberty Life and Fidelity Life to offer the best coverage at the best prices. The applications for each company are similar, ranging somewhere between five and fifteen questions per company.

Immediate or Almost Immediate Approval
While you are on the phone, our agent will submit your application directly into the insurance companies' computer system for an approval decision. There is no medical exam needed, meaning qualified applicants can be almost immediately approved. Some approved policies can be issued in minutes while others take one business day. Our friendly insurance representatives can answer any questions you may have regarding your application.

Pay For Your Policy
Once approved for your Life Insurance policy, you will be asked to make a payment. TermRunner accepts payments from most major credit cards or from a checking or savings account. .

Print Your Policy
When your payment has been processed, you can print out a copy (.PDF) of your Life Insurance policy. You will instantly have coverage! A policy will also be mailed to you by the insurance company through the regular mail.