Digital convenience in life insurance has come with an ugly side effect: the bait-and-switch quote. Many algorithm-driven platforms tempt users with rock-bottom premiums, only to hike the rates—sometimes by nearly double—once the application is approved. Now, Wealth Express® says it’s had enough.

The consumer-first financial solutions platform today launched Wealth Express Term Life Insurance with Guaranteed Pricing, designed to give families an upfront, locked-in rate that won’t change after approval. No post-approval hikes, no medical exams, and—crucially—actual human advisors instead of automated scripts.

Closing the Trust Gap

For working parents aged 35–50, who often balance busy schedules with the need for reliable financial protection, the appeal is obvious. The platform promises a 10-minute application and lifetime advisor support for families and beneficiaries.

“Families shouldn’t be forced to choose between fair pricing and convenience,” said Rob Graham, Co-Founder of Wealth Express®. “Our solution removes the guesswork, eliminates surprise price hikes, and puts a human advisor back into the equation—because financial protection should build trust, not erode it.”

No ‘Convenience Tax’

Wealth Express claims that many “no-exam” life insurance platforms quietly charge up to 50% more for equivalent coverage—a markup the company dubs the convenience tax. By pairing no-exam applications with fixed pricing, the firm says it offers the same ease without the hidden surcharge.

Why It Matters

The move comes as transparency becomes a bigger selling point in digital financial services. Consumers are increasingly wary of AI-powered recommendation engines that prioritize conversion over fairness. By leaning on licensed human advisors and fixed-rate promises, Wealth Express is positioning itself as a counterweight to fully automated competitors such as Bestow and Ladder.

The product is available immediately through the company’s online platform and advisor network. Whether this approach nudges the rest of the digital life insurance market toward more transparent practices remains to be seen—but the message is clear: convenience should not come at the expense of trust.