Progressive life insurance, reviewed.
Here is the honest answer: Progressive offers life insurance two ways. Its own Progressive Life Insurance Company underwrites term policies in select states, and it refers other shoppers to eFinancial, which places coverage with insurers that are not affiliated with Progressive. Its page says a $250,000 policy costs as little as $32 a month for applicants aged 19 to 34, and the company named on your contract is the one that pays the claim.
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Two routes, and the contract names the insurer.
Progressive states it plainly on its life insurance page: term policies are underwritten by Progressive Life Insurance Company in select states, and Progressive Advantage Agency may refer people to eFinancial, LLC for placement with insurers that are not affiliated with Progressive. A broker is a licensed middle layer that shops your application across insurers and hands you quotes.
Here is why it matters to you: the company that issues your policy and pays the claim is the one named on the contract. On the eFinancial route that insurer is separate from Progressive, and Progressive says it is not responsible for the insurer or coverage selections, policies issued, or claims.
Route 1
Progressive Life Insurance Company
Term in select states. Flexible Term runs $50,000 to $1 million with no exam, and coverage can be adjusted up or down after qualifying life events without a new application.
Route 2
eFinancial placement
Term in 10, 15, 20, or 30 years, from $5,000 to $2 million or more, matched across several unaffiliated insurers, including RAPIDecision Life with no medical exam.
Either way
Read the insurer name
Check the company on the contract, confirm its license with your state department of insurance, and keep the policy where your family can find it.
One thing that’s easy to miss: a quote is only as good as the insurer behind it and the price it surfaces for you. That’s the same job a free policy review does, and it’s why comparing a Progressive quote against the wider market is always worth the few minutes.
Researching Progressive? Get a free second look. Own a Progressive policy or thinking about one? A licensed professional will read it with you or compare real options for your age and health. Free, no obligation, and keeping what you have is a fine outcome.
What it does well
A familiar name with a shop-around model.
Progressive’s strength in life insurance is convenience and reach: a familiar brand, its own term in select states, and a placement partner for the rest.
A name you already know
Progressive is one of the largest auto and home insurers in the country. In life insurance it offers its own term policies in select states and refers other shoppers to a placement partner.
Access to multiple insurers
Through its partner eFinancial, one application can be matched against several insurers, the same comparison shopping we believe in. eFinancial and its insurers are not affiliated with Progressive.
Term, whole life, and final expense
Progressive’s life page describes term, whole life with a fixed premium and cash value, and final expense with no medical exam, so most common needs are covered in one place.
A flexible term option
Progressive Life Insurance Company’s Flexible Term runs $50,000 to $1 million and lets you adjust coverage up or down after qualifying life events, such as marriage, divorce, a new child, or a home purchase, without reapplying. It is offered in some states.
No-exam options
Progressive Life Insurance Company’s term needs no medical exam, and eFinancial’s RAPIDecision Life is described as a way to buy with no exam. Approval and price still depend on your answers.
Bundling under one roof
If your auto and home already sit with Progressive, a life quote can start from the same familiar account.
What you can reach
Term, whole life, and final expense, through partners.
Progressive’s life page describes the three coverage types most families ask about (terms and availability come from the issuing insurer, per Progressive):
Term life
Coverage for a set number of years
Level term locks your premium for a chosen period and pays a benefit if you pass during that window. Progressive’s page lists 10, 15, 20, or 30 years through eFinancial. It’s the lowest-cost way to cover a mortgage or income years.
Whole life
Permanent coverage with cash value
Progressive describes whole life as coverage for your entire life at a fixed premium that builds cash value at a fixed rate over time, which you can borrow from. It costs more than term because the coverage never expires.
Final expense
Smaller whole life for burial costs
Progressive describes it as an affordable lifelong policy with no medical exam, designed to help cover your funeral and other costs. The Insurance Information Institute describes burial insurance as whole life with a $5,000 to $25,000 death benefit.
New to the differences? Our plain-English guide to how cash value works walks through what permanent coverage actually builds, while our guide to term life insurance covers where term fits instead.
What it might cost
What Progressive publishes, and what it means.
Because the issuing insurer sets the final price, no single number is “the Progressive rate.” The one figure Progressive publishes is a best-case example, so here it is with the arithmetic and the questions that decide where you land:
| Item | Figure |
|---|---|
| Coverage | $250,000 |
| Published example, as little as | $32 a month |
| Per year | $384 |
| Over a 20-year term, if the premium holds level | $7,680 |
| Applicant profile in the example | Preferred plus, non-tobacco, ages 19 to 34 |
Source: Progressive’s life insurance page, which says a $250,000 policy costs as little as $32 a month. The annual and 20-year lines are our arithmetic. This is a best-case example, not a quote, and it does not say which term length it applies to. Your rate depends on your age, health, tobacco use, state, the term, and the insurer. For how the broader market prices coverage, see the Insurance Information Institute.
Worked example. Say Priya is 28 and gets a quote at the published $32 a month for $250,000. Over a 20-year term that is $7,680 in premiums for a $250,000 benefit. If her health or tobacco use puts her in a different class, the number moves, and the way to know is to ask for the class in writing. Then set the quote beside two or three others for the same coverage and term.
Want a plain-English read of the policy? Bring the paperwork or just the question. A licensed professional will explain what it pays, what it costs, and what you can change. Free, and your decision.
How to decide
Judge the insurer, not just the brand.
With a broker, the right question shifts. Instead of “is Progressive good,” ask “who is the insurer on my contract, and is this price the best one available for me.” Three checks settle it.
- Check the issuing insurer. Find its name on the contract and confirm it is licensed in your state with your state department of insurance.
- Match the product to the need. Term for temporary needs like a mortgage; permanent only if the coverage truly needs to last for life.
- Compare the price. Set the quote beside two or three other carriers for the same coverage. If it wins, buy with confidence.
A quote earns its keep by being clear about the insurer and sharp on price. Progressive can do that, so let the quote prove it next to the rest of the market.
When to keep what you have
Sometimes the right move is to do nothing.
If you already hold a policy Progressive placed or issued, the premium fits your budget, and the coverage matches your need, you may already be in good shape. A review that ends in “keep what you have” is a successful review, and we’ll tell you so plainly.
Two cautions before you replace any policy. Switching can restart a contestability period (the window when a new insurer can review a claim more closely), and your age or health may have changed your rate. So don’t cancel old coverage until the new one is firmly in force, which is also the NAIC’s advice. If you are not happy with a new policy, you can usually return it for a full refund within about 10 days. The policy review is where we weigh all of that with you.
And when you do not need us: if your Progressive Flexible Term already fits your life and you have compared it, you are set. If someone has just died, call the funeral home first, because a new policy does not pay for a death that has already happened. If the person who died held a policy, we will help locate the insurer and start the claim.
- Which insurer actually issued your policy
- Whether that insurer is licensed in your state
- Whether another carrier beats it for your profile
- That your beneficiary is current and correct
Straight answers
Progressive questions, answered.
Reviewed by Aleen Alnono, licensed insurance agent (NPN 58310472) · Updated October 2026
01Does Progressive sell its own life insurance?
In part. Progressive’s life page states that term life insurance policies are underwritten by Progressive Life Insurance Company in select states. It also says Progressive Advantage Agency may refer consumers to eFinancial for placement with insurers that offer coverage, and that eFinancial and its insurers are not affiliated with Progressive. Which path applies depends on your state and the product.
02Who underwrites Progressive life insurance?
It depends on the route. Term policies written by Progressive Life Insurance Company are underwritten by that company in select states. Policies placed through eFinancial are issued by the unaffiliated insurer you choose. Either way, the company named on your contract is the one that pays the claim, so read that name before you sign.
03What term lengths and amounts can I get?
Progressive’s page says eFinancial offers term life in 10, 15, 20, or 30 years, with coverage from $5,000 to $2 million or more. Progressive Life Insurance Company’s Flexible Term runs $50,000 to $1 million and lets you adjust coverage after qualifying life events. Availability varies by state and situation.
04How much does Progressive life insurance cost?
Progressive’s own page says a $250,000 policy costs as little as $32 a month, for a male or female preferred plus non-tobacco applicant aged 19 to 34. That is the lowest published example, not a typical price. Your age, health, tobacco use, coverage amount, term, state, and the insurer all change the number, so a real quote for your profile is the only reliable figure.
05Can I get Progressive life insurance without a medical exam?
Often, yes. Progressive Life Insurance Company’s term policies do not require a medical exam, and eFinancial’s RAPIDecision Life is described as a way to buy with no exam. Simplified-issue coverage uses health questions instead, and the NAIC notes a policy that does not require detailed health information usually costs more and provides less coverage than one that does.
06How do I check the company behind a Progressive life policy?
Find the insurer’s name on your contract, then confirm it is licensed in your state with your state department of insurance, which the NAIC lists. If the policy was placed through eFinancial, the insurer is not affiliated with Progressive, so questions about claims and billing go to that insurer. A licensed professional on our team can read the policy with you and help you reach the right company.
07How do I reach Progressive about a life policy?
Use the contact details on your policy documents, which name the company that issued the coverage. Progressive notes that for policies placed through eFinancial, it is not responsible for the insurer or coverage selections, policies issued, or claims, so the issuing insurer is the right contact. If you would like help reading the policy first, a licensed professional on our team can do that.
08Is Progressive life insurance worth it?
It can be, especially if you already bundle auto and home there and want a familiar starting point, or if Flexible Term’s adjustable coverage fits your life. To be sure, compare the quote against two or three other carriers for the same coverage, and keep what you have if it already fits. A licensed professional on our team can line a Progressive quote up against the market in a free policy review.
This is an independent review. Policy Review Center is not affiliated with or endorsed by Progressive or its partner carriers; product and company names are used for identification only. Progressive Life Insurance Company underwrites term policies in select states, and other coverage is placed through eFinancial with insurers not affiliated with Progressive. Plan details come from Progressive and the issuing insurers and can change, so confirm current terms with the issuing insurer. Educational only, not tax, legal, or financial advice; any coverage changes are completed through licensed insurance professionals. For more on comparing your own policy, see our carrier review library or start from the Policy Review Center homepage.
Keep reading
- State Farm life insurance review (another household name that underwrites its own term and whole life).
- Prudential life insurance review (a large national insurer worth setting beside any Progressive partner quote).
- USAA life insurance review (strong term and whole life for military families, another bundling option to compare).
- Comparing no-exam options? Read life insurance with no medical exam and our term life guide.
- Weighing permanent coverage? See whether whole life insurance is worth it.
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- Reading a Progressive policy you already hold
- How Progressive compares for your age and health
- Beneficiary and billing questions
- Finding the right department at the carrier
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