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
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 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 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.
Many of our policies offer Day One Coverage — meaning your protection begins immediately upon approval. No waiting periods on qualifying policies. Your family is protected from the very first day.
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 absolutely no medical exams and no doctor visits.
Many qualifying policies offer immediate Day One Coverage so your family is protected right away.
Everything is handled over the phone from your home. No office visits. No travel. No hassle.
We are licensed and serving clients in all 50 states nationwide.
Most policies include living benefits so your coverage protects you while you are still alive.
OUR PARTNERS
CLIENT REVIEWS
★★★★★
"I never thought getting life insurance would be this easy. The whole process was done over the phone in less than an hour. No exams, no hassle. I was covered the same day!"
— Marcus T., Texas
★★★★★
"As a busy mom of three I didn't have time to go to doctor appointments. Opulent Life made it so simple. I got coverage for my whole family without leaving my couch."
— Denise R., Georgia
★★★★★
"The agent was incredibly knowledgeable and patient. They found me a policy with living benefits I didn't even know existed. I feel completely protected now."
— James P., Illinois
No medical exams. No doctor visits. Get covered by phone today. Day One Coverage available on qualifying policies. Serving all 50 states nationwide.
Get a Free Quote Call (800) 941-9290Get the Coverage you need for the Price you Deserve
