• Insurance Type – Homeowners Insurance
• Secondary residences – Yes
• Age Requirements – 2? – 4?
• Terms – 2 years, 10 years, 20 years???????
• Coverage – $50,000 – $1,000,000???????
• Medical Exam – No?????

Unique Selling Point:
With Hippo you can receive a complimentary smart home monitoring system and a discount on your premium for protecting your home against risks like fire, water damage and theft.

Who is this app for:
If your you own your own home and your looking for digital-first homeowner’s insurance that is clear, easy to apply for and rewards smart-home technology, than Hippo may be a good choice for you. What sets Hippo apart from many other insurers is the extent of it’s coverage – for example people with high-end computers or home office equipment can get coverage up to $10,000, about four times higher than traditional insurance companies. You can also get a quote online in 60 seconds with their simple, streamlined process.

Bonus points:
– Al
– W

Fintech Pros :
– With Hippo Home Care Pro, Hippo customers can get get real-time solutions and advice about home maintenance by video calling a home care professional from their mobile device.

– A.

Fintech Cons:
– ???

• Insurance Type – Term, whole, universal, variable universal, simplified issue, guaranteed issue
• Age Requirements – 18 – 100
• Terms – 10 years, 15 years, 20 years, 25 years, 30 years
• Coverage – $100,000 – $500,000
• Medical Exam – Optional

Unique Selling Point:
Sproutt’s Quality of Life Index questionnaire  assesses your lifestyle and provides a personalized set of suggestions, recommendations, and references based on cutting edge medical research and can make suggestions to help you improve your quality of life.

Who is this app for:
If you’re someone who wants a personalized life insurance that recognizes their healthy lifestyle habits and offers a broad array of terms and policy options, Sproutt may be a good choice for you. Sproutt acts as broker and looks at multiple different underlying insurance companies in order to provide you with the best deal. While people of almost any age can apply for Sproutt, it generally favors younger users when it comes to getting the best rates. If you’re under 45 and you’re looking to provide a medium to long-term safety net for your family, Sproutt is a solid which allows you to get a quote entirely online in under 15 minutes.

Bonus points:
– Al
– W

Fintech Pros :
– F.

– A.

Fintech Cons:
– ???

• Insurance Type – Life Term
• Age Requirements – 21 – 45
• Terms – 10 years, 20 years
• Coverage – $50,000 – $1,000,000
• Medical Exam – No

Unique Selling Point:
With Bestow, you can get a quote for life insurance in under a minute, and get full coverage in just 5 minutes.

Who is this app for:
If you’re looking to get covered with term life insurance almost instantly, completely online and without any medical exam, then bestow may be a good choice for you. Bestow offers 10 and 20 year term life insurance at competitive rates for customers aged under 45. You can get a quote, set up your policy and adjust your policy hassle-free through the bestow website. Bestow will likely appeal to those that have not taken out a life insurance policy previously and are looking for a quick and easy way to make plans for the future and get set up with medium to long term coverage.

Bonus points:
– Al
– W

Fintech Pros :
– F.

– A.

Fintech Cons:
– ???

• Insurance Type – Life Term
• Age Requirements – 21 – 60
• Terms – 10 years, 15 years, 20 years
• Coverage – $100,000 – $5,000,000
• Medical Exam – Varies

Unique Selling Point:
Fabric allows you to create a free, legally-binding will online for you and your spouse in as little as 5 minutes.

Who is this app for:
If you are looking for a comprehensive life insurance policy that is digital first and offers a high level of coverage, than Fabric may be for you. While anyone can apply for life insurance cover from Fabric, they are particularly tailored to parents, with a focus on young families. Fabric offers coverage up to $5,000,000 – multiple times higher than many other insurers (although for coverage above $1,000,000, you will need a medical exam). Additionally, for certain policies Fabric also offers the option to transition your term life insurance policy to a whole life insurance policy, allowing for a permanent life insurance solution in the future without any hassle.

Bonus points:
– Al
– W

Fintech Pros :
– F.

– A.

Fintech Cons:
– ???

• Insurance Type – Life Term
• Age Requirements – 18 – 64
• Terms –  10 years, 15 years, 20 years, 25 years, 30 years
• Coverage – $100,000 – $3,000,000
• Medical Exam – Varies

Unique Selling Point:
Haven Life provides coverage for people up to age 64 – a much higher age limit than many other providers.

Who is this app for:
If you’re looking for a straightforward life insurance policy with a wide range of coverage and term options that is completely online, then Haven life may be for you. Haven Life’s online application is easy to follow and in many cases, you won’t need a medical exam to get coverage. With terms up to 30 years, Haven Life offers a quick and easy way to give your family a long term safety net without any hassle.

Bonus points:
– With Haven Life Plus, all Haven Life customers can get access access to additional benefits to help them and their families, such as discounts on health and fitness apps and medical care.

Fintech Pros :
– F.

– A.

Fintech Cons:
– ???

• Insurance Type – Life Term
• Age Requirements – 18 – 75
• Terms – 10years, 15 years, 20 years, 30 years
• Coverage – $25,000 – $10,000,000
• Medical Exam – Variable

Unique Selling Point:
With Ethos you can get life insurance coverage up to $10,000,000, multiple times higher than most other insurers.

Who is this app for:
If your you’re looking for a comprehensive life insurance policy with the option of high coverage and the option to add various riders to customize your plan, than Ethos may be for you. In addition to it’s large coverage potential, Ethos also offers riders such as Critical Illness, Child Term, Premium Waivers and an Endowment Benefit Rider. These allow Ethos users to adapt their coverage in whatever way suits their own circumstance. With it’s broad age range, flexible coverage options and fast online application, Ethos gives people from all sorts of backgrounds a quick and easy way to provide a complete and comprehensive safety net for their family.

Bonus points:
– Al
– W

Fintech Pros :
– F.

– A.

Fintech Cons:
– ???

• Insurance Type – Life Term
• Age Requirements – 20 – 60
• Terms – 10 years, 15 years, 20 years, 25 years, 30 years
• Coverage – $100,000 – $8,000,000
• Medical Exam – Varies

Unique Selling Point:
Ladder focuses on giving customers the ability to adjust their coverage over time as their needs change without having to re-apply for a new policy.

Who is this app for:
If you’re at an early stage in your career, or you foresee changes in your family circumstances in the coming years, than Ladder life insurance may be for you. Ladder offer plans with coverage amounts that are highly flexible and can change over time as your needs change. Ladder also offers coverage up to $8,000,000, one of the highest amounts of any insurer. With it’s flexible terms, high coverage options and hassle-free online application process, Ladder is a good choice for those who want a quick and easy way to provide a future-proof safety net for their family.

Bonus points:
– Ladder offers a life insurance calculator on their website, allowing you to calculate exactly how much coverage you will need at your particular stage in life.
– W

Fintech Pros :
– F.

– A.

Fintech Cons:
– ???

• Insurance Type – Bodily injury and property damage liability, collision and comprehensive , uninsured/underinsured motorist (bodily injury).
• Payment Schedule – Every month, every 6 months
• Coverage – $50,000 – $1,000,000???????
• Covers Uber/Lyft? – No
• Roadside Assistance – Yes

Unique Selling Point:
With the Root app, data from your smartphone’s sensors is gathered and analyzed in order to provide you with a customized car insurance quote based on how you drive.

Who is this app for:
If you’re someone who wants straightforward app-based car insurance, where your good driving habits are rewarded, then Root may be for you. Root’s unique approach to calculating your premium is likely to be particularly attractive to young drivers, newly-qualified drivers and others for whom traditional insurance risk assessments would leave them with a higher premium. As Root is completely app-based, all of your policy documents are stored digitally in one place, while you can also manage your policy and make claims all from your phone.

Bonus points:
– With Root, you can file a claim through the app in as little as 3 minutes.
– W

Fintech Pros :
– F.

– A.

Fintech Cons:
– ???

• Insurance Type – Bodily injury and property damage liability, collision and comprehensive , uninsured/underinsured motorist (bodily injury)??????????
• Payment Schedule – Every month
• Coverage – $50,000 – $1,000,000???????
• Covers Uber/Lyft? – No
• Roadside Assistance – Available as an add-on

Unique Selling Point:
With Metromile you pay-per-mile for your car insurance. After paying a low flat fee every month, you only pay for coverage on each mile that you drive.

Who is this app for:
If you’re someone who doesn’t drive a large number of miles every month, but you want to have a clear consistent policy where you’re rewarded for your low mileage, then Metromile may be for you. Metromile’s unique approach to calculating your premium is likely to be particularly attractive to those who have a short daily commute, or those who only have a car for weekend or occasional use. As Metromile  is completely app-based, all of your policy documents are stored digitally in one place, while you can also manage your policy and make claims all from your phone.

Bonus points:
– All miles over 250 a day (150 in NJ) are free.
– W

Fintech Pros :
– With the Metromile app, you can find your parked car and get alerts about street sweeping in order to avoid tickets.
– With the Metromile app, you can check on the health of your car and get notified early of potential mechanical and electrical issues before they become a bigger problem.

Fintech Cons:
– Constant digital monitoring of your car may be a negative aspect for those with data privacy concerns.