Everdays: Life Insurance Without the Medical Exam
A digital life insurance platform and iOS planning app, rated 4.6 across 991 App Store reviews.
- App Store rating across 991 reviews
- 4.6
- Of applicants qualify, often within minutes
- ~90%
- In total assets backing policies across partner carriers
- $200B
About Everdays
Everdays is a digital life insurance platform that removes the two things people most dislike about buying cover: the medical exam and the wait. Licensed agents use its quoting technology to personalise options over a short phone call, and around 90% of applicants get an approval decision within minutes, with no exam or blood samples. Alongside the web platform, its iOS application guides users through planning for retirement, future care and end of life across three paths — Life & Vitality, Health & Care, and Final Wishes.
- Whole life cover up to $100k for end-of-life expenses including funeral costs and debt resolution.
- Term life cover up to $2 million for income replacement, mortgage and tuition.
- No medical exams or blood samples, with instant approval available.
- Around 90% of applicants qualify, often knowing within minutes.
- $200B in total assets backing policies across carriers including Banner Life, TruStage and American Amicable.
- iOS app covering three planning paths: Life & Vitality, Health & Care, and Final Wishes.
- Client
- Everdays
- Industry
- Insurance & Financial Services
- Business type
- Digital life insurance platform and planning application
- Website
- everdays.com
What the platform had to solve
Buying life insurance had traditionally meant paperwork, a medical exam, and weeks of waiting for a decision — a process bad enough that many people who intend to buy cover never finish. Compressing that into minutes is not simply a UX exercise: it requires integrating carrier quoting, running accelerated underwriting that can decide without medical evidence, and doing all of it inside a regulatory regime that varies by US state and governs how a prospect may even be contacted.
What made it difficult
Insurance is regulated state by state
Which products may be sold, by whom, and on what terms varies across US states — Everdays carries individual state licences. State is therefore a structural input to the product, not a field on a form, and it shapes what a prospect can even be shown.
How you may contact a lead is itself regulated
Telephone outreach to consumers falls under TCPA and Do Not Call rules, which require specific, recorded consent. That has to be captured and evidenced correctly at the point of enquiry, because getting it wrong carries statutory penalties rather than a bad review.
Minutes, not weeks
An approval decision inside a phone call means quoting and accelerated underwriting have to run against carrier systems in real time. Any latency in that chain is felt directly by someone waiting on the line.
Multiple carriers, one experience
Options are drawn from several insurers, each with its own products, eligibility rules and interfaces. The customer should see one coherent set of choices rather than the seams between providers.
A subject people avoid thinking about
End-of-life planning is emotionally difficult, and the app's own framing is about guiding users pleasantly through it. Tone and pacing carry real weight when the alternative is the user closing the tab.
How we approached it
- 01
Agent-assisted digital flow
A model that keeps a licensed human in the loop while the software does the quoting — a few questions on a call, then personalised options generated against carrier products.
- 02
Compliant lead capture
Enquiry handling that collects state, age and contact details alongside the explicit consent language telephone outreach requires, recorded at the point of submission.
- 03
Carrier integration
Quoting across multiple insurers surfaced as one comparable set of options rather than as separate provider journeys.
- 04
iOS planning application
A native application organising a difficult subject into three navigable paths, with plans that can be shared with family and memorials created alongside them.
- 05
Multi-channel entry
Form, live chat and phone offered in parallel, because a customer weighing life cover often wants to speak to a person rather than complete a funnel.
What it was built with
The technologies named for this project.
Applications
iOS
Web platform
Integrations
Carrier quoting systems
Agent tooling
How the system fits together
The structural decisions behind the platform.
- 01
A quoting layer sitting between the customer-facing surfaces and multiple carrier systems, so several insurers present as one comparable set of options.
- 02
Accelerated underwriting that returns a decision inside a phone conversation rather than a multi-week cycle.
- 03
State handling threaded through the product, because licensing determines what may be offered where.
- 04
Consent capture recorded at the point of enquiry to satisfy telephone-outreach requirements.
- 05
A native iOS client sharing the same account and plan data as the web platform.
What the platform does
Whole life cover
Up to $100k of lifelong protection for end-of-life expenses, debt resolution and modest inheritances.
Term life cover
Up to $2 million covering lost income, mortgage expenses and college tuition.
Instant approval
A decision often within minutes, with no medical exam or blood samples required.
Agent quoting technology
Licensed agents personalise options over the phone using the platform's quoting engine.
Three planning paths
Life & Vitality, Health & Care and Final Wishes, organising retirement and end-of-life planning in the app.
Shared plans
Plans can be shared with loved ones rather than held by one person.
Memorials
Memorial creation available alongside the planning tools.
Live chat and phone
Direct channels for customers who would rather talk than submit a form.
Results
Figures published for the Everdays platform.
What this project involved
Mobile App Development
Native and cross-platform iOS and Android apps, built for real network conditions rather than office Wi-Fi.
Web Application Development
Scalable web applications on modern frameworks, engineered for first-load performance and sustained load.
Custom Software Development
Bespoke systems shaped around your operations, integrated with the tools and data you already run on.
Everdays: common questions
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Start a project01
What is Everdays?
A digital life insurance platform offering whole life cover up to $100k and term life up to $2 million, sold through licensed agents using its own quoting technology. Its iOS app additionally guides users through planning for retirement, future care and end of life.
02
How does approval happen without a medical exam?
Through accelerated underwriting — the carrier reaches a decision from the application and available data rather than requiring an exam or blood samples. Everdays reports that around 90% of applicants qualify, often knowing within minutes.
03
What makes insurance software harder than it looks?
The regulation sits inside the product rather than around it. Insurance is licensed state by state in the US, which determines what can be offered to whom, and telephone outreach to prospects is separately governed by consent rules. Both shape the data model and the enquiry flow, not just the legal footer.
04
What does the iOS app do?
It organises planning into three paths — Life & Vitality, Health & Care, and Final Wishes — with account management, the ability to share plans with family, insurance options aligned to those plans, and memorial creation. It holds a 4.6 rating across 991 App Store reviews.
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