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2023 Quility Term Life Insurance Review

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Term life insurance provides a solution for those who need affordable life insurance protection. A term life insurance plan can be a good choice for nearly anyone but is especially great for those with young families that would otherwise suffer a significant financial setback with the loss of their spouse.

For example, a term life insurance policy allows you to purchase large amounts of coverage, such as 10x your annual income, to ensure that if you pass, your loved ones can maintain their lifestyle the same as if your income was still present. 

The rates for term insurance coverage are significantly cheaper than any other type of life insurance, such as whole life insurance, where the cost could be anywhere from 5-15x more than that of the rates of a term insurance policy offering the same amount of coverage.

This is what makes term life insurance so attractive. You can get the right amount of life insurance coverage needed to protect your family at an affordable price.

When choosing a term life insurance plan, you’re going to have an overwhelming amount of different providers and plans to choose from. To ensure the policy meets your needs, you should compare plans, examine rates, eligibility requirements, coverage amounts, contract lengths, issue ages, and any other details.

Traditionally, after finding a policy, you often need to deal with a complex application process. For example, you may need to speak with an agent, complete a phone interview, schedule a medical exam, and then wait weeks for approval.

Quility, on the other hand, is changing the “traditional” ways of applying for term life insurance by offering one of the latest no-medical exam options to hit the market.

Quility term life insurance was created to provide consumers with a more straightforward solution when applying for life insurance coverage. The company offers a variety of insurance products, including a newly released term life insurance option with a 100% online application process that requires no medical exam ever. 

While Quility term insurance is convenient, you should still take a closer look at the features of what the term insurance coverage can offer you. Our Quility term life insurance review covers everything you should know to make an informed choice about your next insurance policy.

Quility Insurance Company

Quility Life Insurance Logo Quility was formed in 2020 as a result of a merger of two large brokerage organizations. Symmetry Financial Group and Asurea joined forces teaming up to make life insurance accessible, affordable, and customized for everyone.

The two companies have over four decades of combined experience working in the insurance industry and have helped serve well over 325,000 families.

Symmetry Financial Group SFG was founded in 2009 and has been recognized on the annual Inc. 5000 list of the fastest-growing privately-owned companies for six consecutive years. The insurance broker helps connect clients with the best insurance option based on their needs.

Asurea has over 25 years in the insurance industry and has maintained an extensive network of agents to give customers the best insurance and financial products from the leading insurers and financial institutions. 

The two companies now together have a nationwide network of over 4,000 licensed insurance agents to support their mission of delivering a modern approach to the traditional process of shopping and purchasing life insurance with the creation of Quility.

It is important to understand that Quility is an independent life insurance broker. The company utilizes modern technology with the assistance of licensed brokers to help clients obtain affordable life insurance

While Quility is contracted to offer insurance options from over 80 different insurance companies, it is the announcement of its latest product launch and partnership that has our attention. In September 2021, Quility introduced its new Quility Level Term Insurance, with policies being supplied and backed by the major life insurance carrier, SBLI. 

The new Quility term life insurance coverage allows applicants to fully apply for term life insurance online through a digital life insurance application process without the requirement of a medical exam ever.

SBLI Life Insurance Company

Savings Bank Mutual Life Insurance Company of Massachusetts, aka SBLI, is the company that issues the life insurance policies sold by Quility.

The company has over 110 years of experience in the insurance industry. SBLI was founded in 1907 in Massachusetts and expanded beyond the state in 1992.

By 2003, SBLI had over $50 billion in life insurance policies in force. This figure doubled to over $100 billion in 2010. SBLI continued to expand throughout the years, reaching 48 states and DC by 2014. 

SBLI is a trusted life insurance company and was ranked #104 out of 200 in the 2020 AM Best rankings. The company is known for offering some of the country’s lowest term life insurance rates.

SBLI Life Insurance Company Ratings and Reviews

As SBLI issues Quility term life insurance, it is essential to review its financial ratings. Examining an insurer’s ratings gives you a better indication of their stability. In addition, most term life policies are for 10- to 30-year periods. Therefore, choosing a company that you can trust to be around to pay claims provides greater peace of mind.

Here are the most current financial strength ratings for SBLI:

Since the founding of SBLI, the company has provided insurance plans to over one million families. Over $4 billion in death benefits and dividends have been paid to families. The company is financially stable and committed to giving customers confidence in their insurance choices.

Quility Term Life Insurance

Quility term life insurance is designed to simplify the application process and give consumers affordable coverage. The application is 100% paperless. In 15 minutes or less, you can complete the application and receive a decision.

You do not need to complete a medical exam to apply. Instead, your eligibility is determined using an algorithmic underwriting process. Quility uses the latest technologies to offer a quote for coverage, process applications, and approve a final rate for coverage.

Some of the main features of Quility term life insurance include:

  • Backed by SBLI, an A-rated insurer
  • Up to $1 million in death benefit protection
  • 10-, 15-, 20-, and 30-year contract lengths
  • Four policy riders are available
  • Issue ages 18 to 80
  • 100% paperless online application
  • Application takes as little as 10 to 15 minutes
  • Receive an instant decision
  • Policies delivered to your inbox in 5 minutes
  • Pay with credit card
  • No medical exam is ever required

This is just an overview of Quility term life inurance. If you want to know more, here’s an in-depth look at the policy.

Quility Term Life Insurance Overview

Policy FeaturesQuility Term Life Insurance
Issue Ages:18-80
Contract Options:10-Year: 18-60
15-Year: 18-60
20-Year: 18-60
30-Year: 18-50
Coverage Amounts:Minimum amount: $100,000
Maximum amount: $1,000,000
Policy Riders:Accelerated Death Benefit Rider
Accidental Death Benefit Rider
Charitable Giving Rider
Children's Level Term Insurance Rider
LegacyShield Service
Renewability:Renewable to age 85
Conversion Option:Convertible to age 70
State Availability:Available in all states except Montana and New York

Issue Ages

Quility Term Life Insurance - Issue Ages

Quility term life is available to those between the ages of 18 and 60. However, depending on your age when you apply for coverage, you may be limited to specific coverage amounts and contract lengths.

Contract Lengths

Quility Term Life Insurance - Contract Lengths
10, 15, 20 and 30 Years

Quility term life insurance is available in 10, 15, 20, and 30 years contract lengths. No matter which contract length you choose, the rates for coverage are locked in and guaranteed never to increase throughout the contract.

The 30-year term is only available to applicants between the ages of 18 and 50. Individuals between the ages of 51 and 60 can only choose from 10-, 15-, and 20-year terms.

Quility term insurance contracts and issue ages are limited to the following ages:

  • 10-Year: 18-60
  • 15-Year: 18-60
  • 20-Year: 18-60
  • 30-Year: 18-50

Coverage Amounts

Quility Term Life Insurance - Coverage Amounts
Minimum: $100,000
Maximum: $1,000,000

The minimum coverage amount is $100,000 for applicants of all ages. However, the maximum coverage amount is based on your age and income:

  • Ages 18 to 40: Up to $1,000,000 or 20 times your income
  • Ages 41 to 50: Up to $1,000,000 or 15 times your income
  • Ages 51 to 55: Up to $500,000 or 10 times your income
  • Ages 56 to 60: Up to $150,000 or 10 times your income

Quility term life insurance is not available with coverage amounts exceeding $1,000,000.

Policy Riders

Quility Term Life Insurance - Policy Riders
Accelerated Death Benefit Rider - Free
Accidental Death Benefit Rider - Optional
Charitable Giving Rider - Free
Children's Level Term Insurance Rider - Optional
LegacyShield Service - Free

Quility term life insurance comes with three policy riders at no additional cost and two optional riders that can be added for an additional cost.

  • Accelerated Death Benefit Rider 
  • Charitable Giving Rider
  • LegacyShield Service
  • Children’s Level Term Rider (optional)
  • Accidental Death Benefit Rider (optional)

Accelerated Death Benefit Rider: This rider is automatically included at no extra cost, providing early access to a portion of the death benefit if diagnosed with a terminal illness.

Charitable Giving Rider: Automatically included at no extra cost, providing an additional benefit of 0.5% of the base policy paid out to a charity of choice. This payable benefit does not come out of the death benefit.

LegacyShield Service: A free service that acts as a digital vault and offers legacy preparation tools to help you better organize your life today and more efficiently plan for tomorrow.

Children’s Level Term Rider: An optional policy rider that provides level benefit term life insurance protection to all children of the insured. Available at a rate of $12 per $1000 in coverage. You can add $5,000 or $10,000 of coverage for eligible children.

Accidental Death Benefit Rider: is an optional rider that pays a death benefit if you die due to an accident. This optional death benefit is available in increments of $25,000 up to the face amount of your base policy.


Quility Term Life Insurance - Renewability
Renewable to age 85

After the level premium term period ends, you may keep renewing your policy for another year until you reach the age of 85.

You do not need to provide proof of health or undergo additional underwriting. However, your rates increase based on your age at the time of renewal, resulting in higher overall premiums.

Conversion Option

Quility Term Life Insurance - Conversion Option
Convertible up to age 70

Convertible to whole life or universal life policy. Instead of renewing a policy, you may convert it to a whole life policy or a universal life policy. You can convert the policy at any point during the level term period. However, you must convert the policy before you turn 70 years old.

Medical Exam Requirements

Quility Term Life Insurance - Medical Exam Requirements
Medical exam not required

Getting term life insurance without a medical is not too difficult to find. Most companies nowadays offer the option. However, most companies offer what is known as accelerated non-medical underwriting. 

With accelerated non-medical underwriting, you can get term insurance without taking a medical exam, and quickly hence the name accelerated.

However, with accelerated underwriting, many companies will require you to take a medical exam if you do not meet their underwriting guidelines.

With Quility, there is no medical exam required. It is not guaranteed approval, but it is designed to take on both applicants in excellent health and some applicants that may not have qualified for an accelerated underwriting option because of a history of health concerns.

Application Process for Quility Term Life Insurance

The Quility term life insurance application process is entirely digital and involves just a few steps:

  1. Provide basic personal information
  2. Select coverage amount and term length
  3. Receive an instant quote
  4. Complete a short application form
  5. Receive a decision in minutes

You must first fill out an online form and provide your date of birth, name, email address, phone number, zip code, and gender. The form also asks whether you have used tobacco in the last 12 months. After entering your coverage amount and term length, Quility provides an instant quote.

If you want to proceed with the application, you need to provide a few more details about yourself. The short application form includes questions about your medical history, driving record, and criminal background to determine eligibility.

As you get to the portion of the application that requires beneficiary information, Quility and their algorithmic underwriting software will be processing your information to determine approval.

After completing the beneficiary information, you will be notified if you have been approved for coverage and at what rate classification. You will have the option to accept coverage, change the coverage amount, add policy rider or even change the term length if you choose to. 

Once you have accepted the life insurance coverage, the next step will be the payment information to finalize the policy. For payment, you have the option to pay by bank draft or credit card.

After all, forms have been electronically signed and payment processed, Quility will email the life insurance policy to your inbox.

Quility Term Life Insurance Frequently Asked Questions

Quility term life includes a simplified application process, but many people still find applying for insurance overwhelming. To help address any further concerns, we have compiled answers to the most frequently asked questions.

The following Quility term life FAQ should answer any remaining questions. If you think of something not covered below, please submit a question in the form at the bottom.

Is Quility a good company?

Quility is a relatively young company, but it was created through the merger of two established insurance brokers. Symmetry Financial Group SFG and Asurea have over four decades of combined experience in the industry.

Quility has also partnered with a life insurance company SBLI that has a strong financial rating with AM Best and has a company history with over 100 years of service.

Who is a good fit for Quility Term Life Insurance?

Quility term life insurance is a good fit for those who want a simple, convenient application with no medical exam. You can complete the application process entirely online and receive an instant decision. As a result, you avoid the typical hassle of applying for insurance, which often involves phone interviews, medical exams, and lengthy underwriting processes.

Quility is also a recommended option for those who want mortgage protection, including young families with 30 years or less left on a mortgage. The flexible contract lengths make it easy to choose an option that matches your specific needs.

What determines eligibility for Quility Term Life Insurance?

Eligibility is determined based on various factors, including your age, income, and medical history. Before completing an application, an agent verifies that you meet the following requirements:

  • US citizen or permanent resident
  • Not replacing an existing policy
  • Actively employed or a homemaker
  • Are between 18 and 60 years old

You must also answer questions related to your medical, criminal, and driving histories. Your responses determine your eligibility and underwriting class.

Quility verifies your responses and obtains additional details during the underwriting process. They obtain your driving record from the secretary of state (SOS) or department of motor vehicles (DMV). Your medical history is provided by the Medical Information Bureau (MIB).

Your health and driving record help determine the risk factor of approving your application. Individuals with a higher risk factor may have their applications denied or pay higher premiums.

Who is not eligible for a Quility Term Insurance Policy?

Individuals who receive treatment for specific health conditions may not be eligible for Quility term life policies. The company denies applications when applicants have been diagnosed with one of the following conditions:

  • Diabetes: requiring insulin OR age nearest <40 OR age nearest of 40+ with A1C>7
  • Cancer (excluding skin cancers) (last 10 years)
  • Charged with a felony (last 10 years)
  • Diagnosed/treated for drug/alcohol abuse (last 7 years)
  • Heart, liver, pancreas, kidney, or neurological disease (last 5 years)
  • HIV/AIDS (last 5 years)
  • TIA/Stroke (last 5 years)
  • Emphysema or COPD (last 5 years)
  • DUI/DWI, reckless driving conviction, or license suspended/revoked (last 5 years)
  • Major depression that required 3 or more meds or led to a loss of work (last 5 years)
  • Rheumatoid arthritis, lupus, or connective tissue disease (last 5 years)
  • Awaiting procedure or test results, other than pregnancy/fertility/allergies (last 2 years)
  • Hospitalized in last year requiring treatment or care
  • Actively in the Military
  • Covid within the last 30 days or under active treatment

Quility term insurance is not available in New York or Montana at this time.

Will I qualify for Quility Term Life Insurance if I have a pre-existing health condition?

If you have a pre-existing health condition, it does not automatically disqualify you from a Quility term life insurance policy. Besides the medical conditions listed in the previous question above, Quality will accept application requests from applicants with pre-existing health conditions.

For example, type 2 diabetics with an a1c under less than 7 could be eligible for a Quility term insurance policy.  Quility will also accept applications from applicants that have a history of high blood pressure, high cholesterol, sleep apnea, and in some cases, treatment of depression.

Will a medical exam ever be required?

A medical exam will never be required to obtain or maintain coverage. Avoiding medical exams is one of the main selling points of Quility term life insurance.

Quility receives your medical information from the Medical Information Bureau (MIB) and other third-party agencies to help underwrite applications so that the medical exam can be eliminated from the process.

Who underwrites the application?

Quility underwrites the application through its online application software while SBLI issues the policy. Quility uses an algorithmic underwriting process that works with SBLI’s underwriting guidelines to provide instant decisions.

What kind of health questions are asked on the application?

The application requires you to answer health questions related to medical conditions that you may have received treatment for. As mentioned, certain conditions disqualify you from receiving coverage. You must also answer health questions related to family medical history. If two or more parents or siblings died before the age of 60, you may receive the “Select” underwriting class instead of “Preferred.”

The application asks about your history of asthma. If you suffer from asthma and required emergency care during the past two years, you may be denied coverage. Asthma sufferers who have not been hospitalized receive the “Select” underwriting class. You must also answer whether you receive treatment for sleep apnea or depression.

Is a paper application available?

Quility does not offer a paper application for its term life insurance product. Instead, you must complete the application online with the support of a licensed insurance agent.

How quick is approval for coverage?

Approval is provided in minutes. Quility uses digital tools and algorithmic underwriting to review your application and provide a decision in 10 minutes or less.

What happens after you are approved for coverage?

After you are approved, you can set up your payment method and receive a digital copy of your policy. The policy is issued by SBLI, but payments are submitted to Quility. The company accepts debit and credit card payments from Visa and Mastercard. The company does not accept American Express.

Is Quility Term Life Insurance affordable?

Quility term life insurance offers reasonable rates. The rates are on the higher end compared to the top term life insurance options.

However, you are paying for convenience. Quility offers a streamlined application process with instant decisions and no medical exams.

Quility Term Life Insurance Rates

AgeGenderFace AmountTerm LengthSample Rate

*Sample rates based on someone in excellent health with no nicotine use. Monthly male and female premium rates current as of 12/7/2021 pulled directly from Quility’s website.

What happens after the level premium ends?

Quility term insurance plans offer a few options after the level premium ends.

For example, after your level premium contract period has ended, you can continue to renew your coverage on an annual basis until you have reached the age of 85. However, choosing to renew yearly will result in a much higher premium than what you were paying during the level premium period. In addition, with each new policy year, your premium will increase.

If you are under the age of 70, you may convert your existing term insurance contract to a new permanent life insurance policy offered by SBLI. The conversion option does not require any new underwriting that would result in evidence of insurability, and approval is guaranteed regardless of any changes in health.

If you do not want to renew or convert the policy, you can allow the contract to expire at the end of its term. Suppose you still need life insurance after your original contract has expired and you haven’t had any significant changes in your health that would prevent you from qualifying for a new term contract. In that case, the most affordable option will be to purchase an entirely new term policy.

What other types of insurance does Quility Insurance Company offer?

Quility offers a variety of insurance options outside of the instant-decision term life product:

  • Universal life insurance
  • Whole life insurance
  • Final expense policies
  • Disability and critical illness insurance
  • Annuities

Along with standard insurance products, Quility offers a whole life insurance policy designed to help you eliminate debt. The Quility Debt-Free Life product uses the cash value from a whole life policy to pay down debt.

What is the LegacyShield Service that comes with Quility Term Life Insurance?

LegacyShield is a group of services provided by SBLI. These services include:

  • MyLegacy: for storing documents, such as final wishes, insurance policies, and family photos
  • MyFinancial View: for consolidating financial accounts into a single dashboard 
  • MyBasic Estate: for creating documents for estate planning

Quility term life includes these services at no additional cost.

How is Quility different from its competitors?

Quility is among a small group of insurance brokers offering a completely digital application process. The company stands out for providing one of the fastest ways to obtain term life insurance. Instead of filling out an application and waiting weeks for approval, you can get a decision in minutes.

Does Quility handle the death claims?

SBLI processes death claims for Quility term life insurance. SBLI issues the policies. However, Quility starts the claims process. When a policyholder passes, the beneficiaries submit a death claim to Quility. The company then sends the information to SBLI to settle the claim.

What is the cancelation policy with Quility?

You have 30 days to cancel the policy. Insurance companies must provide a free look period, which often lasts just seven days. If you cancel within 30 days, you do not owe Quility money for the premiums. If you have already completed the first premium payment, you may receive a refund.

How do I reach Quility customer service?

Quility customer service is available via online live chat, online form submission, and phone. You can call Quility at (888) 784-5489 from Monday to Friday during normal business hours.

How do I get a Quility Term Life Insurance quote?

You can get a Quility term life insurance quote directly through our website. We have an exclusive partnership with Quility. Click here to view your quote.

Advantages of Quility Term Life Insurance

Quility term life may not offer the perfect fit for everyone. Yet, it comes with a variety of benefits that may make it the right option for you:

  • Backed by a strong life insurance company
  • An incredibly easy application process
  • No medical exam is required at all
  • Up to $1 million in coverage
  • Convertible to permanent coverage

Quility term life is issued by SBLI, an insurance company with over a century of experience. So while the Quility term life product is brand-new, the company that issues the policies has a long history.

The application process is also incredibly easy. Most people complete the application within 10 to 15 minutes. After submitting your application, Quility uses a fast and convenient simplified underwriting process to give you a decision in minutes.

You do not need to complete a medical exam when applying for Quility term life. Instead, Quility determines your eligibility based on the information included on the application form and data provided by independent agencies, such as the MIB.

If you are between the ages of 18 and 50, you can get up to $1,000,000 in coverage. The maximum coverage amount is higher than some of the other term life products. Unlike many term life products with no medical exams, Quility term life is convertible. You can choose between whole life or universal life policies.

Disadvantages of Quility Term Life Insurance

Quility offers many advantages, including a streamlined application process with no medical exam. Yet, the term life policy also has a couple of disadvantages:

  • Limited issue ages
  • Rates on the higher end

Quility term life is only available for those between the ages of 18 and 60, which is a relatively limited range compared to other term life policies. Many insurance companies offer term life with a maximum issue age of 70 or 80 years.

As with many no-medical exam insurance policies, the rates for Quility term life are on the higher end. However, you pay a little more for the convenience of skipping a medical exam and using a digital platform.

Conclusion: Is Quility Term Life Insurance Worth it?

Quility term life insurance is one of the latest companies to provide a digital application process and instant decisions on term life products.

The rates are a little higher, but not unreasonable. You can also add optional riders to the policy, including a children’s level term rider and an accidental death benefit rider. An accelerated death benefit is included at no extra cost.

If you want to apply for term life insurance without dealing with medical exams or lengthy underwriting processes, Quility is worth it. You simply need to answer a few health questions to receive a quote and decision.

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Picture of Jeffrey Manola - Life Insurance Expert
Jeffrey Manola - Life Insurance Expert

Jeffrey Manola is the founder of No Medical Exam Quotes, an online insurance agency that strongly focuses on helping people shop for the perfect life insurance policy. He is a licensed life insurance expert and content creator for the website.

Before becoming a life insurance agent, he served in the United States Marine Corps, transitioning from serving his country to helping families find affordable life insurance coverage beginning in 2009. Since starting a career as a licensed life insurance agent, Jeffrey has helped thousands of families with their life insurance needs.

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