top of page

Get your
Term Life Insurance

No medical exams or blood tests.
$1 million in coverage starts at $1/day.

This Term Life Insurance offers fast, easy and affordable financial protection for your loved ones.

Do you want more information and a personalized quote?

As seen on

Family Meal

4.7/5           827 reviews

“Excellent prices for insurance policies...especially considering NO EXAM!”

Jim Harris

February 2022

We calculate your rate in real time, so you can get covered in 15 minutes.

The #1 no-medical-exam,
instant term life insurance provider


Get covered
in 15 minutes


Up to $2 million
in coverage


Free Wealth Management Advice

About Us.

In the quest for a secure tomorrow, Irongate Financial is here to help individuals, families and businesses plan ahead with peace of mind that the continuity of their life’s work is guaranteed.

With 30 years of combined INSURANCE EXPERIENCE we deliver world-class, unparalleled wealth planning and liquidity solutions with best U.S Companies.

We offer an ideal blend of value, benefits and peace of mind.


Charles Jorge

Limbergt Rodriguez

logo irongate americo.png

Got Questions? We've got you covered

What does life insurance cover?

It can help cover some of life’s biggest expenses, like a home mortgage, debt, your children’s college tuition, and it can also replace lost income. Your policy can also help cover everyday expenses—anything your beneficiaries need, really. Ultimately, it’s up to them to decide how to use the payout. Learn more about how it works.

What kind of life insurance does Irongate offer?

We offer both term life insurance (ages 18-80) and indexed universal life insurance (ages 18-80). Our term length options range from 10 to 30 years, with coverage amounts from $20K to $2 million, depending on what you qualify for. Learn more about our products

But I have insurance through my employer, isn’t that enough?

Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of the coverage you need. Financial experts recommend having coverage that is about 10X your salary, which is why many people buy individual term policies to supplement their coverage through work. Learn more about our products

Who is eligible to apply?

Age: All U.S. citizens, permanent residents and foreign nationals ages of 18-80 can apply for coverage with Irongate. If you’re 80 and under, you can own term coverage until age 80. If you are over 80, a whole whole life insurance policy might be an easy way for you to get coverage quickly. Location: Irongate is licensed and operates in Florida, you also can ask for other 49 U.S. states and the District of Columbia, excluding the state of New York. Get my Online Quote

How much life insurance do I need?

A common and easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill. It can be difficult to know what to include in your calculations, so you can talk with us to help you determine your coverage needs.

Does Irongate offer a money-back guarantee?

Yes. Our application is 100% free and won’t affect your credit score. Additionally, each policy has a 30-day free look period with a money-back guarantee. So if you aren't satisfied, you are eligible for a full refund if you cancel within the first 30 days after purchase. After the first 30 days, you may cancel your policy whenever you want to, for any reason. There are no cancellation fees or penalties if you choose to cancel your policy. You can cancel your policy by calling or emailing us, and requesting a surrender form for you to sign electronically. We will cancel your policy upon receipt, and there's never any cancellation fees. Learn more about our products

What makes Irongate different?

We’ve offer Term Life Insurance trough an industry-leading platform Our underwriting engine algorithmically assigns each customer to the appropriate product so applicants can get the coverage that best fits their unique needs as fast as possible. Check your final, approved rates in a matter of minutes and get covered today.

Can I speak with a real person?

Yes—we’re happy to assist and support you anytime. You can get in touch with our financial advisors team by scheduling a meeting here

Lock in your best price today

For every 6 months you wait to start life insurance, your rate increases 8-10%. Once you purchase, your rate is the same your whole term.

Choose coverage

Choose a policy that’s right for you. Irongate offers a range of coverage and term length options, so you can personalize your coverage to fit your needs.

Apply online

After you choose your plan, complete our online application. It’s simple, straightforward, and it only takes about 10 minutes.

Activate coverage

Once your application is submitted, we’ll process the information to provide you a quick (sometimes instant) decision on coverage eligibility and your rate. If approved, you can activate your coverage immediately.

Dont lose the chance to get your cover today

bottom of page