Life insurance, made simple
Protect the ones you carry. It costs less than you think.
Answer a few quick questions and get a real price from one licensed agent. Not 30 calls from strangers.
Who would you like to cover?
Koala Coverage is a free service, not an insurance company. We connect you with one licensed agent.
The Koala Pledge
- One licensed agent
- Never resold
- Honest advice, no pressure
- Reply STOP anytime
Coverage for every stage
The right kind of life insurance for where you are
Your agent explains the trade-offs in plain English. You decide.
Term life
Coverage for a set time, like 20 or 30 years. The most affordable way to protect young kids and a mortgage.
Whole life
Coverage that lasts your whole life, with a fixed premium and cash value that builds over time.
Final expense
A smaller whole life policy that helps cover funeral costs and final bills, so family isn't left with them.
More about final expenseThe price myth
Go on. Guess what it costs.
Most people think life insurance runs $100 or more a month. So they put it off. Try it with a common example: slide to your guess, then see what healthy people usually pay.
*Example range for a healthy non-smoker. Actual rates vary by age, health, coverage amount and insurer, and are set during underwriting.
“It's too expensive.”
Cheaper than you'd guess
For many healthy 30-somethings, $500K of term coverage costs about as much as a streaming subscription or two.
“They'll send a nurse.”
Often no exam at all
Many healthy applicants qualify without a medical exam. Your agent can tell you after a few health questions.
“I'll get 30 calls.”
One agent. That's it.
Your request goes to one licensed agent. It's never resold to call centers or other agents.
Sound familiar?
Usually it's a big moment that brings you here
Just had a baby?
Car seat. Pediatrician. Will. Life insurance.
Just bought a home?
Your mortgage doesn't stop if your paycheck does.
Covered through work?
Most work policies are 1–2x your salary and usually end with the job.
One parent at home?
Childcare, school runs and meals are a real bill if they had to be replaced.
Turning 40 soon?
Your rate is based on your age and health today.
Planning for later in life?
Lifelong coverage can handle final costs and leave something behind.
How it works
Three steps. No needles. No nagging.
Answer a few questions
About 60 seconds, from your phone. No account, no paperwork.
Hear from your one agent
One licensed agent reaches out by text or call, at the time you chose. They ask the health questions first, so your price is real.
Decide in your own time
No pressure. Your agent lays out your options plainly. If it's not right, just say so.
No mystery calls
One agent. On your terms.
Your request goes to one licensed agent, not a call center and not a list. You choose whether they text or call first, and what time of day suits you.
- One person, start to finish
- Text first or call first, at a time that suits you
- Reply STOP and they won't contact you again
Your request, at a glance
Example. You pick these in the last steps of the quiz.
How much do you need?
Find your number in one line
Example: a $70K income and a $300K mortgage comes to roughly $1M–$1.14M of coverage. Not sure? Your agent will run it with you.
Help me find my numberQuestions people ask us
Is Koala Coverage an insurance company?
No. We're a free service that connects you with one licensed insurance agent who can quote and sell policies.
How much does life insurance cost?
It depends on your age, health, the type of policy and how much coverage you want. Your agent gives you a real price after a few questions.
Do I need a medical exam?
Many healthy applicants don't. Your agent will know after asking a few health questions.
Will I get a lot of calls?
No. Your details go to one licensed agent, never to call centers or other agents. You choose text or call and the time of day, and you can reply STOP anytime.
I have life insurance through work. Isn't that enough?
Work policies are often 1–2x your salary and usually end when you leave the job. Your agent can check how far yours goes.
What kinds of life insurance can I get?
Term life covers you for a set period and costs the least. Whole life and final expense last your whole life and cost more. Your agent helps you weigh the trade-offs.
What does it cost to use Koala Coverage?
Nothing. We're paid by our agent partners, not by you.
Ten minutes tonight.
Peace of mind for years to come.
Free · About 60 seconds · One licensed agent