InstaBrain Term Life Insurance with Living Benefits
Life Insurance in an Instant.
Get Life Insurance in Minutes — No Exams, No Waiting
With InstaBrain, powered by Fidelity Life, you can apply online and be covered instantly. No medical exams, no lab work, just fast protection for the people you love.
Why Choose InstaBrain?
Instant Approval – No medical exams or APS required.
Living Benefits Included – Use your policy while you’re still alive if diagnosed with a chronic or terminal illness.
Strong Protection – Backed by Fidelity Life Association (A- Excellent rating by A.M. Best).
Flexible Options – $50,000 up to $1,000,000 in coverage. Choose 10, 15, 20, or 30 years depending on age.
Simple Payments – Pay by debit card, credit card, or EFT.
Optional Riders
Accidental Death Rider – Extra coverage up to $250,000.
Child Rider – $5,000–$25,000 of coverage for your children.
What You’ll Need to Apply
Date of birth
Citizenship status
Driver’s license (state & number)
Primary care physician’s name and date of last visit
List of prescription medications
Details on any current life insurance policies
After You Apply
Approved instantly? You’ll get your policy number right away.
Within 3–5 business days, you’ll receive a welcome letter + email with login instructions.
If declined, you’ll receive a letter explaining why.
Life Insurance shouldn’t be complicated. With InstaBrain, you can get the coverage you need in just minutes.
Quick Links
Schedule a Call
Licensed Insurance Agency
Not connected with or endorsed by the United States government or the federal Medicare program
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Medicare has neither reviewed nor endorsed this information. Not affiliate with or endorsed by the United States government, the federal Medicare program. Social Security, or
Healthcare.gov.
Accessibility:
We are committed to making our website accessible to everyone. If you have any difficulty accessing our site, please call us at 904-654-5450 or email us at
[email protected]. We’ll be happy to help.
© Copyright 2025. Mere Benefits.