Apply for life insurance online in just a few minutes with Hengsheng' simple application. No Medical exams are required for most people.. Just answer a few health questions — many customers enjoy fast underwritting and get approved fast!
To get a life insurance quote online, simply answer a few questions about yourself and see estimated costs for various policy options.
Our secure, online application is fast and straightforward—you can complete the process in about 5 minutes.
Once you submit your application, we'll process it quickly and let you know about your coverage eligibility and rates. If approved, you can activate your coverage immediately.
Hengsheng takes the guesswork out of the application process. Answer a few basic questions and see which products offer the best fit for your coverage needs.
You may start an application and withdraw from the application process at any time without penalty. Before issuing any coverage to you, we will tell you the amount of coverage and premium we will offer you. If you like our offer, you can add your electronic signature at the end of the application to confirm the information provided is correct, and you will be issued coverage. You always have a 30 day period to cancel coverage and get your money back if you change your mind.
We start with your age. If you're between 66 and 85, you qualify for our guaranteed-issue whole life policy and are automatically approved.
Applicants ages 20 to 65 are eligible for our term policies. Using the information on your application as well as our proprietary technology and smart underwriting, we can offer a range of coverage options.
To ensure your application goes quickly and smoothly, have the following information handy:
● Driver's license
● Social Security number (to verify your identity)
● Personal and family medical history
● Current prescription information
To provide you with instant coverage, we ask for your driver's license information and social security number to verify your identity in real-time. Having your medical history and prescription information gives us a clear picture of your health without requiring a medical exam. Rest assured that this information remains secure and confidential.
All U.S. citizens ages 20 to 85 can apply. Hengsheng is licensed and operates in the District of Columbia and every U.S. state except New York.
See a range of personalized price estimates in seconds.
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Your beneficiaries can easily file a claim and receive a cash payout. If you pass away while your coverage is in force, your beneficiary files a claim with your insurance carrier. The carrier will then issue the death benefit payout.
Your beneficiaries can easily file a claim and receive a cash payout. If you pass away while your coverage is in force, your beneficiary files a claim with your insurance carrier. The carrier will then issue the death benefit payout.
Your beneficiaries can easily file a claim and receive a cash payout. If you pass away while your coverage is in force, your beneficiary files a claim with your insurance carrier. The carrier will then issue the death benefit payout.