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Leap Life Insurance

4.75 Stars
Updated: January 20, 2023
By: Jonathan Trout
Jonathan Trout
Content Manager
Jonathan is a former product and content manager for Retirement Living. His background spans sales/marketing, finance, and telecommunications. Jonathan’s expertise in consumer wellness and research-backed data stories helped educate seniors on financial planning, retirement, and community resources. Jonathan graduated from Oklahoma State University with a B.S. in Environmental Sociology.
Content Manager
Edited By: Lauren Hamer
Lauren Hamer
Sr. Editor
Bringing more than a decade of editorial experience to Retirement Living, Lauren focuses on reporting senior-related issues, including retirement planning, finance, consumer protection, and health and wellness. Lauren has edited consumer content for Credible, Angi, Slickdeals, Jobs for the Future, and more.
Sr. Editor

Leap Life is a life insurance broker offering online quotes and the ability to chat with insurance experts to find a policy from one of the best life insurance companies in the country. The company uses time-proven artificial intelligence to make the application process fast and to formulate the best life insurance options for each customer while providing representatives via phone for a more personal touch.

Editorial Breakdown

Product Options 4.8 Stars
Availability 4.9 Stars
Policy Features 4.6 Stars
Customer Service 4.9 Stars

Overall Rating 4.8 Stars

Bottom Line

Getting matched with the right carrier to fit your health and lifestyle could save up to 40% on the cost of your life insurance policy.

Leap Life Insurance Review

No one wants to think about their mortality, and putting life insurance shopping on the back burner is easy to do. However, not having life insurance can put your family’s financial stability at risk. According to LIMRA’s Facts About Life consumer study, 35 percent of households would feel a financial pinch within a few weeks of the breadwinner dying. Leap Life makes buying life insurance an easy, quick, and transparent process so you can protect your family.

Founded in 2016, Leap Life is a licensed life insurance agency based in San Francisco, California. Leap Life connects you with various insurance companies based on your needs and partners with many highly-regarded carriers such as Protective Life, American General, Mutual of Omaha, Pacific Life, Transamerica and more. All of these companies have Excellent or Superior ratings from AM Best for financial stability. Life insurance from an economically sound company is vital because that company needs to be in business to pay benefits in years to come.


  • Fast application process, possibly with instant approval
  • Coverage up to $5 million via well-known and reputable insurers
  • A+ rating with the BBB
  • Transparent policies with no hidden exclusions


  • Application may include a brief wellness check vs. immediate approval
  • Not available in New York

Leap Life Insurance Policies

Leap Life offers accidental death, universal life and term life insurance policies through top-rated life insurance partners. Quotes and applications are processed online or over the phone, with plans available for those age 18 to 85. If you’re over 80 years old, call a Leap Life representative to get your quote.

Leap Life prides itself on being transparent with information, so you won’t have to deal with unexpected fees or policy exclusions. You can obtain $100,000 to $5,000,000 in coverage for a 10-, 15-, 20-, or 30-year term. All policies are renewable or convertible before or at the end of the term. Additionally, you can modify or cancel your policy at any time without paying a penalty.

Leap Life

Leap Life Partners, Source: Leap Life

Leap Life’s Artificial Intelligence

Artificial intelligence (AI) is a computerized gathering and analysis of data to make a decision. According to the National Association of Insurance Commissioners (NAIC), insurance companies are implementing artificial intelligence throughout the entire business, from underwriting to claims. Leap Life is also utilizing this technology to better serve customers by providing life insurance options explicitly meeting their needs. You don’t have to sort through life insurance quotes for policies you don’t qualify for, the artificial intelligence does that for you.

Leap Life’s sophisticated artificial intelligence platform takes the information you provide and checks it against the partner life insurance companies’ underwriting guidelines. The result is an online quote with the best deal Leap Life finds. Leap Life’s system gives you appropriate policies at the right price without wasting time considering options that ultimately will not work for you.

Leap Life Insurance Quotes

Leap Life’s website is simple to navigate, and the quote tool is very straightforward to use. There is information on the site to help you determine your life insurance needs, learn about the different types of life insurance and how life insurance works in general. The average person completes a Leap Life insurance application within 10 minutes.

To get a Leap Life insurance quote, click “Get Your Quote” on the website, then provide this information:

  • Date of birth
  • Gender
  • Height
  • Weight
  • Nicotine use
  • State of residence

Then you’ll answer a few questions about your citizenship status, medical history, lifestyle, and background to receive a three-tiered quote from the best-matched carrier. The tiers are Easy, Essential, and Elite, and are based on the amount and duration of coverage. You can make changes to your quote parameters to see prices for different coverage amounts and terms, and you can click on “See More Options” for quotes from other insurance companies.

If you decide to go with Leap Life’s initial quote, you can start the application right away, and you may be instantly approved. If you don’t get immediate approval, you’ll need a quick 10-minute wellness check, and you get to choose the time and place for this appointment.

Leap Life Insurance Rates

We took Leap Life’s quote tool for a test drive to give you an idea of some life insurance rates in the chart below. We compared Leap Life insurance quotes for California, Florida, Maine, Texas and Washington, and found no variation in prices so you may qualify for the cost in the chart.

Our life insurance quotes assume the applicant is 65 years old, of average height and weight as determined by the Center for Disease Control and doesn’t sky-dive or do other risky activities. Quotes are from Assurity and Pacific Life, and we had the option of chatting or speaking with a representative about other policies if we wanted to.

Leap Life Insurance Sample Quotes
Applicant Easy Tier
10-year Term
Essential Tier
10-year Term
Elite Tier
15-year Term
No Nicotine Use
$82.39 $153.99 $339.47
No Nicotine Use
$42.46 $75.20 $160.50
Nicotine User
$302.15 $573.33 $1,099.51
Nicotine User
$129.24 $270.14 $572.60

Leap Life’s Top-Rated Life Insurance Companies

Leap Life prides itself on only connecting customers with coverage from A-rated AM Best life insurance companies. This gives you peace of mind that a financially stable organization that can pay out benefits for years to come manages your life insurance policy. Here is a sampling of the companies Leap Life connects with life insurance customers:

  • Protective Life Insurance has been in business since 1907 and takes pride in clear communications and streamlined procedures. Protective has some of the best rates for term life insurance in the industry.

  • American General Life Insurance is part of AIG, one of the largest insurance companies in the world. In business since 1960, American General has a reputation for exceptional customer service.

  • Mutual of Omaha opened for business in 1909 and sells several types of insurance in addition to life insurance. Mutual of Omaha is known for a distinct code of ethics and following responsible business practices with a willingness to try innovative insurance products.

  • Transamerica Life Insurance went into business in 1904 with the goal of making financial services available to all people regardless of income level. Transamerica offers multiple types of life insurance, including the rare key person life insurance for business partners. Transamerica manages over $29 billion in assets.

  • Assurity has been selling life, disability, and critical illness insurance since 1890. As a mutual insurance company, Assurity can focus on customer satisfaction instead of shareholder profits. Assurity has the distinction of being recognized as a certified B Corp.

  • Pacific Life has been around the longest of Leap Life’s insurance partners, for 150 years. The company is a founding member of the retirement planning education organization, Alliance for Lifetime Income. Pacific Life was recently named one of Ethisphere’s World’s Most Ethical Companies.

Leap Life Insurance Complaints

Leap Life is a young company, and we didn’t find many online reviews. However, the existing information is very positive. Leap Life is rated “A+” by the Better Business Bureau. TrustPilot classifies Leap Life with an “Excellent” rating with 62 reviews. One poor review is from someone expressing frustration over wanting to deal directly with a life insurance company, which is beyond the scope of Leap Life’s service.

Leap Life Insurance Q&A

  • Can Leap Life help me understand how life insurance works?
    Yes. Leap Life is committed to making the life insurance process as easy to understand as possible. The website features articles written in plain language under “Life Insurance 101.” Leap Life representatives are also happy to answer any questions over the phone or via email.

  • Can Leap Life tell me how much life insurance I should buy?
    Leap Life offers an online calculator to help you figure out how much life insurance you need to ensure your family can pay bills and have a secure future should you die. For more information, check out How Much Life Insurance Do I Need?

  • How difficult is it to get a Leap Life quote?
    The Leap Life online quote process takes just a few minutes and doesn’t require any personally-identifiable information so you won’t be getting flooded with sales calls. You get your quote instantly.

  • What if I’m not satisfied with my Leap Life policy?
    Leap Life allows you to return your policy within 30 days of the effective date. You can also change or cancel your plan at any time without a hassle.

  • What makes Leap Life a standout life insurance company?
    Leap Life offers flexible, high-quality service whether you buy a life insurance policy online or over the phone. The advantage to using Leap Life is you will get the right life insurance coverage in as little time as possible.


Life insurance is an integral part of your overall financial plan and is likely necessary to be confident of your family’s financial future. It’s best to have a plan in place should your loved ones lose your income. Leap Life helps you find the right life insurance from a high-quality carrier that’s best for your circumstances without a time-consuming application process.

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