Get Life Insurance in Minutes — No Exams, No Waiting
InstaBrain, powered by Fidelity Life Association, is a fully online life insurance platform that gives you an approval decision instantly. You answer a few health questions, choose your coverage amount and term length, and you're protected — all without a doctor's visit, blood draw, or waiting weeks for underwriting.
As your independent broker, Mere Benefits walks you through the process, answers your questions, and helps you choose the right coverage for your family and budget — all at no cost to you.
Instant Approval
No medical exams or APS required. Get your decision in minutes, not weeks.
Living Benefits Included
Access your policy while you're alive if diagnosed with a chronic or terminal illness.
Flexible Payments
Pay by debit card, credit card, or EFT. Monthly or annual billing available.
A– Rated Carrier
Backed by Fidelity Life Association, rated Excellent by A.M. Best since 1896.
Living Benefits — Use Your Policy While You're Alive
Most term life policies only pay when you die. InstaBrain includes living benefits at no extra cost, so your policy works for you if the unexpected happens during your lifetime.
Terminal Illness
Access a portion of your death benefit if diagnosed with a terminal illness.
Chronic Illness
Receive benefits if you're unable to perform activities of daily living due to chronic illness.
Critical Illness
Get financial support after a heart attack, stroke, or other qualifying critical illness event.
Flexible Coverage to Fit Your Life
Choose the term length and coverage amount that fits your budget and your family's needs. Coverage starts at $50,000 and goes up to $1,000,000, with term options from 10 to 30 years.
| Term Length | Coverage Range | Best For | Age Eligibility |
|---|---|---|---|
| 10 Years | $50,000 – $1,000,000 | Short-term debt, bridge coverage | 18–70 |
| 15 Years | $50,000 – $1,000,000 | Mortgage protection, young families | 18–65 |
| 20 Years | $50,000 – $1,000,000 | Raising children, income replacement | 18–60 |
| 30 Years | $50,000 – $1,000,000 | Long-term family protection, estate planning | 18–50 |
Three Steps to Coverage
Apply online in minutes
Click "Apply Instantly with InstaBrain" to go to the secure application. Answer basic health and lifestyle questions — no exam, no blood work required.
Get your instant decision
If approved, you'll receive your policy number immediately. If additional review is needed, you'll hear back within a few business days.
Receive your welcome package
Within 3–5 business days, you'll receive a welcome letter and email with your policy documents and online account login instructions.
What You'll Need to Apply
Gather these items before you start to make the process as fast as possible:
Customize Your Coverage with Riders
Enhance your policy with optional riders to cover more of life's uncertainties:
Accidental Death Rider
Adds up to $250,000 in extra coverage if death results from a covered accident — on top of your base policy benefit.
Child Rider
Provides $5,000–$25,000 of life insurance coverage for your children under one convenient rider, without separate policies.
Your Trusted Local Insurance Partner
We're an independent agency based in Jacksonville, FL. We don't just hand you a link — we're here to guide you through every step, answer your questions, and make sure you get the right coverage for your family's situation.
- Free guidance — no fees, no obligations, ever
- We compare multiple carriers — InstaBrain may be a great fit, or we'll find something better for you
- Options for every budget and health situation
- Help with beneficiary designations and policy structure
- Ongoing support — we're here whenever you need us after the policy is issued