At One Stop Life Insurance, our mission is simple: help you compare life insurance plans from top-rated providers with ease, clarity, and confidence. Whether you’re a visa holder, foreign national, or U.S. citizen, we make it straightforward to find the right coverage for your life, your health, and your goals.
From chronic illness protection to return of premium and flexible policy terms, we focus on life insurance with living benefits that work when you need them most.
Real People. Real Advice. Zero Pressure.
We’ve helped hundreds of families, both U.S. citizens and visa holders, get coverage tailored to their unique needs. We believe your life insurance plan should be as unique as you are. That’s why we start by getting to know your “why.” Are you protecting a growing family? Planning for the future? Replacing lost income?
Once we understand your goals, we move into prequalification, comparing plans across 20+ carriers. We don’t just quote prices, we guide you to the right protection.
Life Insurance Made Simple – Even Without a Medical Exam
We know life insurance can feel complicated, especially if you’re not a US citizen or have health concerns. That’s why we’ve built an entire section of our website dedicated to making life insurance easier to understand, including how to qualify for coverage without a medical exam.
The Marketplace Is Crowded. That’s Why We’re Here.
With hundreds of life insurance companies in the US, finding the right policy can be overwhelming. We step in to simplify that. At One Stop Life Insurance, we’re not tied to any one carrier. We work for you.
Our advice is unbiased, professional, and always centered around your best interests. Whether you’re applying from abroad or comparing plans across state lines, you’ll get honest guidance every step of the way.
We are not an insurance company, nor are we employees of one. We are completely indifferent to your choice of carrier, which makes us your best source of unbiased and professional advice.
How the Process Works
- We start by understanding your budget and goals.
- Then we ask a few simple health and lifestyle questions to compare life insurance plans from leading providers.
- Finally, we walk you through the application process from start to finish. You’ll get regular updates and personal support the whole way.
You Have Questions. We Have Answers.
Whether you’re a foreign national wondering if you qualify, have health conditions like cancer or diabetes, or can’t decide between term and permanent coverage, we’re here to help. We also specialize in policies for children and families with unique needs, including Down syndrome and other health challenges.
What to Expect When You Compare Life Insurance Plans With Us?
When you reach out, you’ll speak with a real person who’s here to help—not a call center. We offer personalized service and are happy to communicate however you prefer, whether that’s by phone, email, or both.
Depending on your situation, we may be able to present an option on the first call and help you secure a policy right away. In some cases, we take a bit more time to compare offers from over 20 top-rated carriers to ensure you get the best possible solution, even if it means reaching out to several companies first.
This extra effort is what sets us apart. We care about getting it right, which is why our approval and placement rates are higher than many other brokerages.
Once you’re ready to move forward, we’ll guide you through every step. You’ll receive regular updates so you always know where your application stands.
Not all policies are created equal, especially when you’re navigating visa requirements or planning for a family’s future. We help you compare life insurance plans side-by-side, so you can understand your options, avoid unnecessary costs, and choose coverage that fits your needs today and tomorrow.
Can visa holders qualify for life insurance in the US?
Yes, many visa holders can qualify, depending on their visa type, length of stay, and other personal factors. We’ll guide you through the carriers most likely to approve your application.
What are living benefits in a life insurance policy?
Living benefits allow you to access a portion of your death benefit while you’re still alive if you’re diagnosed with a serious illness such as cancer, a chronic condition, or a terminal disease.
Can I get coverage without a medical exam?
Yes, some policies allow for no-exam coverage, depending on your age, health, and the amount of insurance you’re applying for. We can help determine if you’re eligible.
How long does it take to get a policy approved?
It depends on the carrier and policy type. Some approvals can happen in a day or two; others may take 1–4 weeks. We’ll update you every step of the way.
What if I have health conditions?
We work with many companies that specialize in approving clients with health conditions like diabetes, high blood pressure, or a history of cancer. Let’s talk about what’s possible for you.
Why Clients Trust Us to Help Them Compare Life Insurance Plans
Our clients trust us because we take their needs seriously. We’re honored to play a role in protecting what matters most to them. Whether you’re on a visa, recently moved to the US, or were born here, our process is built around your unique situation
You can read all of our reviews on our Google listing.
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Rated 5.0 on Google Reviews
Joe Loebach
“Zhaneta is the best, hands down. She’s so informative, so patient, and so polite! It’s clear she’s extremely well informed and passionate about her work. Working with Zhaneta will make the whole buying insurance process the easiest thing you’ve done! I wish i could give 10 stars!”
Karen Jimenez
“I worked with Zhaneta Gechev, and she made the process very easy and worked with me every step of the way. I am very content with the service I received.”
Alex Islas
“Extremely helpful, insurance agency! Made getting additional life insurance a breeze. Found me a great rate, and made the overall process very simple. Zhaneta, and her team are great!”
The Bottom Line: Personalized Help, Powerful Tools
We combine personal service with modern tools to make life insurance simple, flexible, and stress-free. We’re small enough to give you one-on-one attention, yet connected enough to offer the best rates available.
You can complete your application over the phone, by email, or entirely online. Our process is fast, secure, and tailored to your needs.
Don’t wait. Start comparing life insurance plans now – it’s free, fast, and takes just a few minutes.
