Help Center


Life Insurance Basics

“Term” is the length of your policy. Term life insurance policies are only active for a specific period of time. They expire once the term ends (or you stop paying). Progressive Life Insurance® currently offers term lengths between 10 and 30 years, depending on the policy type.

“Coverage amount” is the amount of money your beneficiary can receive if you pass away while the life insurance policy is active.

  • Rate is the cost of life insurance coverage specific to you. It is used to calculate your premium, and depends on various factors like the policy term as well as your age, gender, health status, etc.
  • Premium is the total amount you need to pay at each billing cycle to purchase the policy and keep it active. Progressive Life Insurance currently bills monthly.

A primary beneficiary is the person or persons who will receive the benefit (payment) should you pass away while your policy is in effect. Many people name their spouse and/or children as their primary beneficiary.

Think of a contingent beneficiary as a backup. If something happens to your primary beneficiary, the contingent beneficiary would receive the death benefit if you were to pass away while your policy is active.

With Progressive Life Insurance, you can add up to 6 primary beneficiaries and 6 contingent beneficiaries. You’ll have the ability to select and customize specific payout amounts for each person after you’ve purchased your policy and set up your account.

Our guided quote will walk you through the entire process step by step. † It’s designed to get to know your specific situation by asking relevant questions in addition to providing helpful information along the way.

You’ll receive a quote and suggested policy that’s focused on your life and current needs. We’re here to help you, but you ultimately know your situation best. Be sure to review the suggested policy and determine if it is the best fit for you, and you can adjust it to the term and coverage that’s right for you before starting your application.

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Progressive Life

Progressive Life Insurance is currently available to U.S. citizens or permanent residents living in the states of Indiana, Michigan, Ohio and Pennsylvania.

Progressive Life Insurance currently offers two types of term life insurance policies:

  • Standard—This policy has a set term length and coverage amount. Generally speaking, you cannot increase your coverage amount or change the term length once a standard policy has been purchased except by applying for an underwritten increase. You can also cancel your policy and purchase a new one.
  • Flexible—This policy has a set term length, but provides the flexibility for you to increase your coverage amount with certain life events in the first 10 years of the policy.(See Disclosure)

Other limitations may apply to both Standard and Flexible policies.(See Disclosure)

We realize that “health” is a complex topic and can be measured in many different ways. For the purposes of life insurance, there are certain factors that help determine your current health situation. For example, some people may have pre-existing health conditions such as diabetes, elevated cholesterol, high blood pressure, and so on. Many of these conditions do not automatically disqualify you from life insurance with Progressive Life Insurance, but may be considered during the application process and could impact your rate.

No. You’ll answer questions similar to those your doctor would ask during a yearly physical. You may also be asked questions about previous medical exams, testing, and procedures.

It depends. We don’t allow a single individual to have multiple life insurance policies through Progressive Life Insurance. There are certain situations where you may be allowed to own a Progressive Life Insurance policy in addition to a policy from another provider. Contact us if you have additional questions.

Flexible Policy

There are many benefits of a Flexible policy compared to a Standard policy, but two of the most impactful benefits are:

  • Freedom to adjust your coverage amount—The ability to increase or decrease your coverage amount as your life changes without having to reapply or purchase a new policy.
  • Freeze your health status—Once you purchase a Flexible policy your health status and age are “frozen” so that you don’t have to undergo additional medical exams or testing if you want to increase or decrease your coverage.

A Flexible policy may be a good option for women and men aged 18-39 who have not yet experienced life events like getting married, buying a house, or having children.

If you purchased a Flexible policy you are able to increase your coverage amount when you’ve experienced a covered life event. The covered life events are:

  • Getting married or entering into a civil union or domestic partnership
  • Getting divorced or dissolving a marriage, domestic partnership, or civil union
  • Buying a home that you will use as your primary residence
  • Adding a child to your family through birth, adoption or marriage

You can increase your coverage amount for each covered life event that occurs within the first 10 years of your Flexible policy. In general, you can increase your coverage amount up to $200,000 per covered life event. However, your policy is written uniquely for you, and may not allow you to take this full increase for every life event. The limitations on your coverage increase amount, if any, will be shown on your policy documents.

You can start the process of increasing your coverage amount online by first accessing your policy online and sending us a request through our portal. No medical testing or updated health information is required to change your coverage amount. You’ll just need to send us the requested documentation related to the life event.

Please note that while you can change your coverage amount, you cannot change the term—that is, the length of time your policy is active.

If you would like to increase your coverage amount even if you have not experienced a covered life event or want more than the maximum increase amount, you can apply for an underwritten increase. This process will require you to provide updated health information.

Yes. Your premium is calculated using your rate multiplied by your total coverage amount. So, if you increase or decrease your coverage, your premium will also go up or down, depending on the changes you make.

You can request a coverage amount decrease at any time throughout the policy term. There are no limits to the number of times you can decrease your coverage amount. You just can’t decrease your coverage amount below our minimum coverage amount of $50,000.

You can start the process of decreasing your coverage amount online by first accessing your policy online and sending us a request through our portal.

Manage Policy

You can manage the details and documents of your policy by signing into your account. Login at and select Policy Details.

You can manage the details of your policy by signing into your account. Login at and select Beneficiary Details.

You can manage the details of your policy by signing into your account. Login at and select Payments.

You have a 30-day grace period to make the payment. After that period, your policy will lapse and you will no longer be insured. Email Progressive Life Insurance for assistance.

The first 30 days of your policy is the “free look period” when you can cancel without penalty. If you cancel within the first 30 days your policy will be deemed void from the beginning and any paid premiums will be refunded. All cancellation requests must be made in writing.

To cancel after the “free look period,” request termination in writing and mail or email your request to Progressive Life Insurance. The policy will then be cancelled as of your premium due date of your next billing cycle.

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