Life Insurance Review

Rating: 7.8 / 10 (Very good)
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Online Presence is an online marketplace that offers customers multiple quotes for life, health, home, and auto insurance. The website is backed by Washington-based Assurance IQ, Inc., a company founded in 2009 with an A+ rating from the BBB. Customers can either use the quick and convenient online portal, or contact a expert agent directly by phone. In addition to providing quotes from trusted companies like New York Life and American National, also offers Assurance's own policies underwritten by Generation Life Insurance Company.

Company Reputation carries a BBB grade of A+. The company is licensed to sell insurance in all 50 states. Additionally, all agents are licensed in the states and insurance types they do business in. Assurance's policies themselves are underwritten by Nebraska-based Generation Life, a company with a 50+ year history of providing insurance services.

Generation Life FSR

Standard and Poor’s


Moody’s Rating


A.M. Best FSR


Fitch Ratings


Policies sells many different types of insurance products. The company, however, specializes in term coverage and final expense. Policies can be purchased digitally or over the phone. In order to obtain quotes, either from Assurance or any of its affiliates, prospective customers will have to provide teh following information:

  • Gender
  • Tobacco Use
  • Date of Birth
  • Height 
  • Weight
  • Medical Conditions
  • Address
  • Criminal History
  • Medical History
  • US Citizen


  • 41 year old male
  • 6 ft
  • 220 lbs
  • Non-Smoker


10, 15, 20, or 30 years

Coverage Limits

$50,000 - $1,000,000

Guaranteed level premiums

Yes, for the initial term

Affordable Coverage


Savings based on Health


Death Benefit


Medical Exam

Not for qualified applicants guarantees coverage will never be reduced or canceled during the chosen term regardless of health changes. Also, the company guarantees payments will not increase during the term. – Final Thoughts

If you are looking for a quick way to get affordable life insurance coverage digitally, is a solid choice. If you wish the process can be completed almost 100% online. These days, people are incresingly looking for an entirely online transaction. If, however, you wish to talk with an agent for advice, the company offers them as well. offers very straight ahead term policies with not a lot of bells and whistles. Customers looking to customize more robust policies with rider, additional features, financial planning, etc., will have to look for something more traditionally from a major carrier. 

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