Four ways to say yes.
You never pick a product or decode a brochure. 14 plain-language questions find the strongest offer we can make you. These are the four shapes that offer can take, explained honestly, prices included.
Check my price- No exam, ever
- Decision within 24 hours
- Price locked for the term
- 30-day free look
The lineup
From the best price to a guaranteed yes.
Every tier is the same promise: simple questions, no medical exam, an answer within 24 hours. What changes is the price, the maximum coverage, and when full coverage starts.
Prime
Best priceWhere the healthiest answers land.
- Coverage up to $500,000
- Full coverage from day one, no deferral
- Our lowest rates
- Widest choice of term lengths, plus permanent options
Plus
Strong ratesA yes or two on the questionnaire? Still a strong offer.
- Coverage up to $350,000
- Competitive rates
- 24-month deferral applies, see below
Core
Built for tougher filesFor health histories other insurers walk away from.
- Meaningful coverage at a fair price
- Same 14 plain-language questions, no doctor’s note
- 24-month deferral applies, see below
Guaranteed
Everyone qualifiesThe yes that is always there, no health answer can take it away.
- Acceptance guaranteed, ages 18–80
- Permanent coverage that stays for life
- 24-month deferral applies, see below
Exact coverage amounts, term lengths and your price are confirmed during self-checkout, before you commit to anything, and before any payment is taken. Every price we quote already includes the $30 annual policy fee.
The honest part
What a 24-month deferral actually means.
Most insurers bury this in page 14 of the contract. Here it is in three sentences.
Accidental death: covered in full, from day one
The deferral never applies to accidents. Your beneficiary receives the full face amount immediately, starting the day your coverage begins.
Natural causes in the first 24 months
Every premium you paid is returned to your beneficiary. Oneday keeps nothing. This is the trade that makes a guaranteed yes possible without a medical exam.
After 24 months, and for Prime, from day one
The full amount is payable for any cause. And if your answers land you in Prime, there is no deferral at all: full coverage starts the day you buy.
No email wall
Real prices, published.
Most insurers make you hand over your email and phone number to see a number. Here are real Prime rates, straight from our calculator.
| Coverage | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| $100,000 | $20.00 | $20.00 | $41.04 |
| $250,000 | $27.68 | $45.45 | $98.55 |
| $500,000 | $52.65 | $88.20 | $194.40 |
Rates shown are for a female non-smoker, 10-year term, Prime tier, age nearest birthday, and include the $30 annual policy fee. Our minimum premium is $20 per month. Premium figures are illustrations, not an offer of insurance, your rate is confirmed during the application, before any payment is taken. Underwritten by Humania Assurance Inc.
See my real priceBefore you start
The questions everyone asks.
Which tier will I get?
You never choose one. The 14 questions in self-checkout place you in the strongest tier we can offer, and you see exactly which one, with the price, before you commit to anything or pay a cent. Nobody falls off the line: every applicant aged 18 to 80 lands in one of the four.
How much coverage do I need?
A simple rule of thumb is DIME: add your Debts, your Income times the number of years your family would need it, your remaining Mortgage, and future Education costs for your kids. That total is your target. Coverage at Oneday runs from $5,000 to $500,000, so most answers fit.
Can I be declined?
No. There is no decline letter here. Tougher health answers change which tier you land in, the amount, the price, and whether a 24-month deferral applies, but every applicant aged 18 to 80 receives a real offer.
Who actually insures me, Oneday or someone else?
Oneday TPA Inc. designs the products, runs the technology and administers your policy. The insurance itself is underwritten and guaranteed by Humania Assurance Inc., a Canadian life insurer founded in 1874. Your contract is with Humania. Your day-to-day experience is with us.
Find out in 60 seconds if we can cover you.
No email required. Rates are set by your age at application and go up on your birthday, checking today locks in today’s age.
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