No Medical Exams | No Doctor Visits | Get Covered By Phone Today | Call (800) 941-9290
Chicago Based | Nationwide Coverage
A Chicago-based independent life insurance agency built on trust, convenience, and a commitment to protecting families nationwide — entirely by phone.
No Medical Exams | No Doctor Visits | All 50 States | Dedicated Personal Agent
Get a Free Quote Call (800) 941-9290OUR STORY
Opulent Life Financial is a Chicago-based independent life insurance agency contracted with some of the most reputable top A-rated carriers in the industry including Americo, Ethos, American Amicable, Mutual of Omaha, and Corebridge Financial.
We are a personal, client-first insurance practice that treats every family like our own. We simplify insurance so everyday families can make informed decisions without feeling overwhelmed.
We believe service should feel personal from the very beginning. That is why our clients work directly with a dedicated licensed agent who remains their point of contact throughout the process and beyond. When you call back with questions, updates, or future needs, you are connected with someone who already knows your policy and understands your goals.
We are a fully phone-based agency meaning clients never have to leave their home, visit a doctor, or take a medical exam for most policies. Everything is handled quickly and conveniently over the phone from the comfort of your home.
Coverage can begin as early as Day One upon approval and payment of the first premium. Your family can be protected from the very first day your policy is approved and placed in force.
OUR PURPOSE
Our mission is simple — to make life insurance accessible, affordable, and easy for every American family. We believe every family deserves financial protection regardless of their health history, schedule, or location.
That is why we built a 100% phone-based agency where you can get covered from the comfort of your own home with no medical exams and no doctor visits required for most policies.
OUR ADVANTAGE
Most of our policies require no medical exams and no doctor visits.
Coverage can begin as early as Day One upon approval and payment of the first premium.
Everything is handled over the phone from your home. No office visits. No travel. No hassle.
We serve families across all 50 states nationwide.
Most policies include living benefits so your coverage can help protect you while you are still alive.
You work with the same licensed agent from the start, so you always have a familiar expert who knows your policy and your needs.
OUR PARTNERS
CLIENT REVIEWS
★★★★★
"I had been putting life insurance off because I thought it would be complicated. My agent explained everything over the phone, helped me compare options, and made the process much easier than I expected."
— Marcus T., Texas
★★★★★
"As a busy mom, I needed something simple. I was able to handle everything by phone without taking time off work or scheduling a doctor visit. That made a big difference."
— Denise R., Georgia
★★★★★
"What I appreciated most was having one agent who stayed with me through the whole process. I did not feel rushed, and I knew exactly who to contact if I had questions later."
— James P., Illinois
Individual experiences may vary. Coverage, approval, benefits, and availability are subject to carrier underwriting, product terms, state availability, and payment of required premium.
No medical exams. No doctor visits. Get covered by phone today. Coverage can begin as early as Day One upon approval and payment of the first premium. Serving all 50 states nationwide.
Get a Free Quote Call (800) 941-9290Get the Coverage you need for the Price you Deserve
