If you’re looking for a life insurance policy that strikes the perfect balance between affordability and financial protection, a $1,750,000 life insurance policy may be exactly what you need.
Whether you’re a parent, a homeowner, a business owner, or a high-income earner, this level of coverage can protect your loved ones, secure your estate, and ensure your income is replaced for years — all without breaking the bank.
Even better? You can get approved today.
In this guide, we’ll show you exactly how to get approved quickly for a $1,750,000 life insurance policy — with or without a medical exam.
Why $1,750,000 Life Insurance Might Be Right for You
This amount is ideal for those who want more than the standard $500K–$1M policy but aren’t quite ready to commit to $2M+ coverage.
Here’s what $1.75M can cover:
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Income replacement (10–20 years of salary)
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Mortgage payoff
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Children’s education expenses
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Outstanding debts
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Legacy wealth or estate planning
Real-Life Example
If you earn $120,000/year and want to replace 15 years of income, you need $1.8 million. Add a $250,000 mortgage and two children’s college tuition, and $1.75M looks like a smart target.
Who Needs This Level of Coverage?
A $1,750,000 policy is best suited for:
Families with Multiple Dependents
Especially where private schooling or college tuition is part of the plan.
High-Earning Professionals
If you make $100K+ annually, a $1.75M policy ensures 15–20 years of income protection.
Homeowners with Significant Mortgages
A large policy can eliminate mortgage payments and provide cash flow support.
Parents Saving for College
College costs are rising fast. This policy ensures your children stay on track financially, even if you’re not around.
How Much Does a $1,750,000 Policy Really Cost?
It’s more affordable than most people think — especially with a term policy.
Sample Monthly Premiums (20-Year Term, Healthy, Non-Smoker)
| Age | Male Premium | Female Premium |
|---|---|---|
| 30 | $55–$75 | $45–$65 |
| 35 | $65–$85 | $55–$75 |
| 40 | $85–$110 | $75–$95 |
| 45 | $110–$145 | $95–$125 |
| 50 | $155–$190 | $135–$175 |
Term vs. Whole Life: Which Option Fits Best?
| Feature | Term Life | Whole Life |
|---|---|---|
| Duration | 10–30 years | Lifetime |
| Cost | $50–$150/month | $800–$1,500+/month |
| Cash Value | None | Builds cash value over time |
| Ideal For | Income protection, debt cover | Estate planning, legacy building |
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You want affordable, high coverage
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You’re focused on income replacement and debt
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You’re under 55 and relatively healthy
Choose Whole If
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You want guaranteed coverage for life
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You’re planning for estate tax or want a savings component
How to Get Approved Quickly (Even Today!)
Getting a $1.75M policy doesn’t have to take weeks. Many modern insurance platforms now offer instant approval or accelerated underwriting — no doctor visit required.
What You Need
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Age under 60
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Good to excellent health
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Steady income or financial proof
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No major health conditions
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Honest application answers
Top Companies Offering $1.75M Life Insurance
Here are some of the top-rated providers that can approve you for $1,750,000 coverage — many with fast or no-exam options.
1. Haven Life (MassMutual)
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Fast online approval
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Up to $3M with no medical exam (for qualified applicants)
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Best for tech-savvy professionals
2. Banner Life
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Low rates for healthy people
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Up to $10M coverage
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Flexible terms (10–40 years)
3. Protective Life
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Highly competitive premiums
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Strong financial stability
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Term and whole life options
4. Ethos Life
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Quick approvals
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Some policies approved in minutes
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Great for people who want zero hassle
5. Ladder Life
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Adjust your coverage online anytime
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Apply in minutes
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Coverage from $100K up to $8M
No-Medical Exam Options for Fast Approval
Yes, you can get a $1.75M life insurance policy with no medical exam — if you meet certain conditions:
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Age 18–45 (some companies go to 60)
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Excellent health history
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Normal BMI
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Clean prescription records
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No smoking or dangerous hobbies
Providers with No-Exam Options:
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Haven Life
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Ethos
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Bestow
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Ladder
Most approvals are made using health algorithms and third-party health databases like the MIB, pharmacy checks, and motor vehicle reports.
Step-by-Step: How to Apply and Get Covered Today
Step 1: Estimate Your Coverage Needs
Use the DIME formula:
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Debt
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Income replacement
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Mortgage
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Education for children
Step 2: Choose a Provider
Decide if you want a fully digital option (e.g., Ladder) or to work with an agent (e.g., MassMutual or Protective).
Step 3: Complete the Application
Provide details like:
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Age, gender, height, weight
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Smoking status
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Medical history
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Income/employment
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Existing life insurance
Step 4: Wait for Underwriting
With no-exam providers, this can be instant. For traditional underwriting, it may take 1–3 weeks.
Step 5: Get Approved & Make Your First Payment
Once approved, your policy becomes active the day you pay.
Final Thoughts
A $1,750,000 life insurance policy is more than just a smart number — it’s a powerful shield for your loved ones and your legacy.
You don’t need to be wealthy to qualify for this level of coverage. With term policies, competitive quotes, and modern online platforms, you can get approved — sometimes today — and start protecting your future for under $3 a day.
Whether you’re looking for income protection, estate planning, or peace of mind, don’t wait.
Start your application today and lock in your future — affordably.