Curious whether buying coverage through Progressive’s platform gives you real choice or just one more middleman?
Progressive partners with eFinancial to offer policies from major carriers, so you shop on Progressive’s site but the underwriting company handles your policy after purchase.
This model lets you compare term, whole, universal, final expense, and short-term offerings across top brands like AIG, Mutual of Omaha, Protective, Prudential, and Transamerica. Instant term quotes and digital apps speed up decisions, while licensed agents help with permanent coverage.
Expect fast online comparisons and broad state availability, but know that ongoing servicing and claims usually go to the partner carrier. Pricing will hinge on age, health, coverage amount, and term length.
This article will help you weigh the convenience and choice of a brokered platform against the appeal of a single direct carrier relationship.
Key Takeaways
- At a Glance: Progressive Life Insurance in the United States (present)
- How Progressive Sells Life Insurance: Broker Model via eFinancial
- Policy Options: Term, Whole, Universal, Final Expense, and Short-Term Coverage
- Pricing, Quotes, and Rates: What to Expect from Progressive
- Riders and Customization: Add-Ons That Enhance Your Policy
- Application and Underwriting: Online Process, Medical Exam, and Eligibility
- Customer Experience: Service, Claims, and Who You’ll Deal With
- Is Progressive life insurance good?
- Conclusion
- FAQ
- FAQ
- Progressive acts as a broker through eFinancial; partner carriers underwrite policies.
- Online quotes and digital apps make fast term decisions possible.
- Product types cover term, whole, universal, final expense, and short-term options.
- Servicing and claims are handled by the underwriting company, not Progressive.
- Price varies by age, health, coverage, and term—compare quotes to find value.
At a Glance: Progressive Life Insurance in the United States (present)
The platform acts as a broker that aggregates offers from multiple underwriters so shoppers can compare options side by side.
How it works: The company partners with eFinancial to list products from AIG, Mutual of Omaha, Fidelity Life, Protective, Prudential, and Transamerica. U.S. users see instant term quotes after entering basic demographics.
Available coverage types include term (10, 15, 20, 30 years), whole life, universal, final expense, and one-year short-term policies. Not every rider or product appears in every state because each underwriter sets rules.
| Product Type | AIG | Mutual of Omaha | Protective |
|---|---|---|---|
| Term (10–30 yr) | Yes | Yes | Yes |
| Whole life | Yes | Yes | Yes |
| Final expense | Varies by state | Yes | Varies by state |
Support runs 24/7 via phone, chat, email, and an app. Remember: quotes and eligibility depend on age and health, and the underwriting carrier — not the brokerage site — issues the contract and handles claims.
How Progressive Sells Life Insurance: Broker Model via eFinancial
The site’s role is to connect buyers with established carriers that underwrite and manage each policy.
Broker model explained: Progressive partners with eFinancial to list offers from multiple underwriters. The marketplace helps you compare options on one website, but a partner insurance company issues the contract and assumes risk.
Who underwrites the policies?
Major underwriters include AIG, Mutual of Omaha, Fidelity Life, Protective, Prudential, and Transamerica. These companies handle approvals, billing, changes, and claims after you buy a product.
How the process divides responsibilities
- Progressive’s platform and agents guide quotes and applications.
- Underwriting companies finalize approval and manage day‑to‑day policy service.
- Riders, conversion rules, issue ages, and limits vary by carrier.
Why this helps shoppers: You can view multiple life insurance options and price points in one place. That convenience comes with a tradeoff—your long‑term contact will be the underwriting insurance company, not the marketplace.
Policy Options: Term, Whole, Universal, Final Expense, and Short-Term Coverage
You’ll find short one-year policies alongside traditional term options and permanent coverage.
Term options include 10, 15, 20, and 30-year plans. Level premiums and guaranteed death benefits apply during the chosen term. Typical face amounts run from $50,000 up to $2 million for eligible applicants. A unique one-year short-term policy can bridge job changes or pending underwriting decisions.
Permanent plans that build value
Whole coverage provides lifetime protection and a fixed cash-value buildup. Common face amounts range from $50,000 to $1 million, and many carriers allow purchase up to about age 65.
Universal policies offer permanent protection with flexible premiums and an adjustable death benefit. Coverage levels also commonly span $50,000 to $1 million and are usually available to applicants up to age 65.
Smaller, simplified options
Final expense plans target funeral and end-of-death costs. These typically issue without a medical exam, cover roughly $2,500–$35,000, and accept applicants aged about 50–85. Some products issue immediately with no waiting period.
Short-term one-year policies often skip an exam and serve as a temporary safety net while you change employers or await full underwriting.
- Face amounts, riders, and issue ages vary by underwriter.
- Health and age affect qualification and premium even for no-exam paths.
- Families can combine a 20-year term with a modest final expense plan to cover income needs and end-of-death costs.
For a clearer breakdown of available types of life coverage, check the marketplace listings and compare carrier rules.
Pricing, Quotes, and Rates: What to Expect from Progressive
Sample monthly premiums help set realistic expectations before you request a formal quote.
Sample term quotes for non-smokers (estimates):
| Age | Term / Face Amount | Estimated Monthly |
|---|---|---|
| 30 | 20 years / $500,000 | $34.80 |
| 40 | 20 years / $500,000 | $46.55 |
| 50 | 10 years / $250,000 | $31.89 |
These estimates assume good health and average build. Actual rates differ by state, medical profile, and underwriting company.
What changes your rate: age, current health, tobacco use, coverage amount, and term length. Longer terms and larger face amounts raise premiums. Shorter terms and smaller coverage lower them.
Carriers listed through the marketplace vary in underwriting rules and rider options. That can shift final premium and one company may underwrite a given profile more favorably than another.
Payment choices include annual, quarterly, or monthly billing. Use instant online tools to test scenarios, and consider locking a rate earlier to save over the long run.
For more detail on how much a policy may cost, see how much a policy may cost.
Riders and Customization: Add-Ons That Enhance Your Policy
Optional riders let you tailor a standard plan to meet specific risks and future needs.
Core riders include an accelerated death benefit that lets a terminally ill policyholder access part of the benefit early. A critical illness rider can pay a lump sum for events like stroke or cancer. A waiver of premium protects coverage if disability prevents premium payments.
Additional options add flexibility. A family income benefit structures monthly payouts for survivors. Term conversion lets you move from term to a permanent product without new medical underwriting. Long-term care riders help cover extended care costs.
| Rider | Term Life | Whole / Universal | Notes |
|---|---|---|---|
| Accelerated death benefit | Often available | Common | Access on terminal diagnosis |
| Waiver of premium | Sometimes | Often | Requires disability definition |
| Term conversion | Common | Not applicable | No new health exam at conversion |
| Long-term care | Rare | Available | May have waiting period and caps |
Availability caveat: Rider menus vary by underwriting company and by state. Read the insurer’s rider brochure and compare cost, exclusions, and claim handling before adding features.
Application and Underwriting: Online Process, Medical Exam, and Eligibility
You can begin with a fast online quote for term policies and move to a guided application for more complex products.
Fast online path: Get an instant term quote on the website, complete a simple digital application, and expect email or phone follow-up for verification. Simplified underwriting can yield same-day decisions for many term policies.
Agent-supported products: Whole and universal plans typically need agent help to customize riders and premium schedules. That process often involves a deeper review and longer underwriting timelines.
No‑exam options and when they apply
Certain term and final expense paths may skip a medical exam depending on your health profile and the coverage amount. Simplified applications rely on medical history, prescriptions, and data checks to speed approval.
Eligibility snapshot
Most term, whole, and universal products accept applicants up to about age 65. Final expense plans commonly serve ages roughly 50–85. Payment choices include monthly, quarterly, or annual billing to fit budgets.
- Underwriting varies by carrier and state; limits and riders differ across policies.
- The underwriting company — not the marketplace — approves applications and sets final premiums.
- Health, lifestyle, and body metrics influence whether an exam is required and how much you pay.
Timeline tips: Expect instant preliminary quotes, rapid decisions for simplified term, and longer waits for full medical underwriting on permanent plans. Prepare accurate health and prescription histories to avoid delays and get a precise quote.
For details on how a medical exam may affect your application, see medical exam guidance.
Customer Experience: Service, Claims, and Who You’ll Deal With
After purchase, the route for help changes: initial shopping support stays on the site, but policy servicing shifts to the underwriting insurer.
Support channels: 24/7 phone, live chat, email, a mobile app, and a resource center with calculators and FAQs help shoppers test coverage needs and prepare documents for the application and exam.
What happens after you buy
Once a policy issues, the underwriting insurance company handles billing, beneficiary updates, and claims. Record that firm’s contact details, your policy number, and portal access at issue.
Service indicators and claims
Consumer Affairs lists a 3.9/5 rating, and NAIC complaint levels run slightly above the industry average. Experiences vary by companies, so compare reputations when you shop.
“Keep contact info and portal logins handy to speed any future service or claim.”
For claims, beneficiaries should contact the underwriting insurer directly for forms, document lists, and timelines. Use online accounts to pay premiums, change beneficiaries, and view policy docs.
Note: The marketplace and agents help compare options and streamline buying, but post-issue service follows the underwriter. Confirm state-specific contact channels and online features before finalizing a purchase.
Is Progressive life insurance good?
For buyers who value speed and variety, the brokered site simplifies comparing multiple carriers in minutes.
Pros
Quick online quotes: Instant term quotes let you test rates by age and term in a few clicks.
Broad policy selection: You can view term life, whole life, universal life, and final expense options from known companies.
Reputable partners: Major underwriters handle underwriting and claims, so coverage rests with established firms.
Cons
Third‑party underwriting: After purchase, the issuing insurance company manages billing and claims, not the marketplace.
Rider variability: Add‑on menus differ by insurer and state, which can limit custom features.
Possible rate differences: Some buyers may find slightly better pricing buying direct from one carrier.
Best for / Not for
Best for: Convenience seekers who want fast quotes and many options online.
Not for: Customers who prefer a single direct agency relationship or need niche riders.
| Feature | Why it matters | Typical benefit | When to compare |
|---|---|---|---|
| Instant quotes | Speed shopping | Quick rate checks | When testing term rates |
| Multiple underwriters | More options | Find a favorable rate | When health affects offers |
| Rider menus | Customization limits | May lack niche riders | When you need living benefits |
| Post‑issue service | Who handles claims | Service varies by insurer | Before final purchase |
“Compare a few carriers in the portal to see how rates and riders differ for your age and term.”
Conclusion
Wrap up your shopping by weighing speed and selection against who will manage your policy after issue.
Progressive’s marketplace offers quick quotes and a range of coverage from top companies, so you can test term and whole life scenarios fast.
Remember the trade-off: the underwriting firm handles billing, claims, and long‑term service, not the site that provided the quote. Verify rider menus, conversion rules, and service reputation for the insurer you select.
Use the portal to compare term life rates, consult an agent for universal or whole life choices, and consider a final expense plan for modest, no‑exam needs. Gather health records, prescriptions, and beneficiary details to speed underwriting and lock lower premiums by starting sooner.
FAQ
What does "Progressive Life Insurance" refer to in this context?
This refers to the offering sold through Progressive’s website and partners, where a broker model connects shoppers to policies underwritten by companies like AIG, Mutual of Omaha, Protective, Prudential, and Transamerica rather than Progressive underwriting the coverage directly.
What policy types can I get through Progressive’s platform?
You can compare and buy term, whole, universal, final expense, and short-term one-year policies. Availability depends on the underwriting company selected and the state where you live.
Which companies underwrite the policies sold via Progressive’s broker channel?
Major underwriters include AIG, Mutual of Omaha, Protective, Prudential, Transamerica and other well-known carriers. The exact insurer depends on the quote and product chosen through the broker partner, eFinancial.
What term lengths are offered for term policies?
Term options commonly include 10-, 15-, 20-, and 30-year plans, plus one-year short-term policies for temporary coverage needs.
Can I buy whole or universal life through this service?
Yes. Whole life with guaranteed cash value and universal life with flexible premiums and adjustable death benefits are offered, though underwriting and rider choices vary by carrier.
Is final expense insurance available without a medical exam?
Final expense products often have simplified underwriting or guaranteed-issue options that avoid exams, making them easier to qualify for at smaller face amounts designed to cover funeral and end-of-life costs.
How are quotes and rates determined?
Rates depend on age, health, tobacco use, coverage amount, policy term, and the underwriting company’s guidelines. Sample term quotes for non-smokers typically span 0,000 to
FAQ
What does "Progressive Life Insurance" refer to in this context?
This refers to the offering sold through Progressive’s website and partners, where a broker model connects shoppers to policies underwritten by companies like AIG, Mutual of Omaha, Protective, Prudential, and Transamerica rather than Progressive underwriting the coverage directly.
What policy types can I get through Progressive’s platform?
You can compare and buy term, whole, universal, final expense, and short-term one-year policies. Availability depends on the underwriting company selected and the state where you live.
Which companies underwrite the policies sold via Progressive’s broker channel?
Major underwriters include AIG, Mutual of Omaha, Protective, Prudential, Transamerica and other well-known carriers. The exact insurer depends on the quote and product chosen through the broker partner, eFinancial.
What term lengths are offered for term policies?
Term options commonly include 10-, 15-, 20-, and 30-year plans, plus one-year short-term policies for temporary coverage needs.
Can I buy whole or universal life through this service?
Yes. Whole life with guaranteed cash value and universal life with flexible premiums and adjustable death benefits are offered, though underwriting and rider choices vary by carrier.
Is final expense insurance available without a medical exam?
Final expense products often have simplified underwriting or guaranteed-issue options that avoid exams, making them easier to qualify for at smaller face amounts designed to cover funeral and end-of-life costs.
How are quotes and rates determined?
Rates depend on age, health, tobacco use, coverage amount, policy term, and the underwriting company’s guidelines. Sample term quotes for non-smokers typically span $250,000 to $1 million across ages 30–50, but actual pricing varies by carrier.
Can I get a no-exam term policy?
Some term and final expense options offer no-exam underwriting up to certain coverage limits. Approval and pricing still depend on health history, medications, and other factors collected during application.
What riders can I add to a policy?
Common riders include accelerated death benefit, critical illness, and waiver of premium. Additional features like family income benefit, term conversion, and long-term care riders may be available depending on the insurer.
Do rider options vary by company?
Yes. Rider availability and terms differ across underwriting carriers, so the specific policy you choose determines which add-ons are offered.
How does the application and underwriting process work?
You can get fast online quotes for term products, with agent support for whole and universal applications. Underwriting may require a medical exam, telemedical interview, lab tests, or only a health questionnaire for no-exam products.
What ages and states are eligible to apply?
Typical age ranges vary by product and carrier—term policies often cover applicants from young adults into their 60s or 70s, while final expense targets older buyers. State availability depends on the insurer’s licensing in each state.
Who handles customer service and claims after I buy a policy?
The underwriting insurance company handles servicing and claims. Progressive’s platform and eFinancial may assist with initial purchase and questions, but policy administration, billing, and claims are managed by the carrier named on your policy.
What are the main pros of buying through Progressive’s broker model?
Pros include quick online quotes, a wide selection of policy types, access to well-known underwriters, and the convenience of comparing multiple carriers from one site.
What are the downsides to this approach?
Cons include third-party underwriting (you deal with the insurer for service), potential variations in rider availability, and pricing differences compared with buying directly from a single carrier or independent agent.
Who benefits most from shopping this way and who might not?
Convenience seekers who want quick comparisons and multiple options benefit most. Those who prefer a single direct-carrier relationship or in-person long-term advisory planning may prefer working directly with a carrier or independent agent.
How can I get an accurate quote?
Provide truthful health, age, and tobacco-use information, choose the desired coverage amount and term, and request carrier-specific quotes. Consider speaking with an agent for whole or universal products that need detailed financial review.
Does purchasing through Progressive affect underwriting decisions?
No. Underwriting decisions are made by the insurer based on their criteria. Using Progressive’s broker service simply connects you to carriers and streamlines comparison shopping; it does not change medical or risk assessments.
million across ages 30–50, but actual pricing varies by carrier.
Can I get a no-exam term policy?
Some term and final expense options offer no-exam underwriting up to certain coverage limits. Approval and pricing still depend on health history, medications, and other factors collected during application.
What riders can I add to a policy?
Common riders include accelerated death benefit, critical illness, and waiver of premium. Additional features like family income benefit, term conversion, and long-term care riders may be available depending on the insurer.
Do rider options vary by company?
Yes. Rider availability and terms differ across underwriting carriers, so the specific policy you choose determines which add-ons are offered.
How does the application and underwriting process work?
You can get fast online quotes for term products, with agent support for whole and universal applications. Underwriting may require a medical exam, telemedical interview, lab tests, or only a health questionnaire for no-exam products.
What ages and states are eligible to apply?
Typical age ranges vary by product and carrier—term policies often cover applicants from young adults into their 60s or 70s, while final expense targets older buyers. State availability depends on the insurer’s licensing in each state.
Who handles customer service and claims after I buy a policy?
The underwriting insurance company handles servicing and claims. Progressive’s platform and eFinancial may assist with initial purchase and questions, but policy administration, billing, and claims are managed by the carrier named on your policy.
What are the main pros of buying through Progressive’s broker model?
Pros include quick online quotes, a wide selection of policy types, access to well-known underwriters, and the convenience of comparing multiple carriers from one site.
What are the downsides to this approach?
Cons include third-party underwriting (you deal with the insurer for service), potential variations in rider availability, and pricing differences compared with buying directly from a single carrier or independent agent.
Who benefits most from shopping this way and who might not?
Convenience seekers who want quick comparisons and multiple options benefit most. Those who prefer a single direct-carrier relationship or in-person long-term advisory planning may prefer working directly with a carrier or independent agent.
How can I get an accurate quote?
Provide truthful health, age, and tobacco-use information, choose the desired coverage amount and term, and request carrier-specific quotes. Consider speaking with an agent for whole or universal products that need detailed financial review.
Does purchasing through Progressive affect underwriting decisions?
No. Underwriting decisions are made by the insurer based on their criteria. Using Progressive’s broker service simply connects you to carriers and streamlines comparison shopping; it does not change medical or risk assessments.