Protecting your people matters
About Us
At Real Innovation, we believe small actions can make a big impact. That’s why we encourage everyone—customers, partners, and peers—to think about the legacy they’re building and the lives they can protect.
We’re here to make life insurance easier.
But more than that, we’re here to make it real—accessible, human, and something you can actually feel good about.
Life Insurance That Puts Real People First
The old way of buying life insurance was slow, confusing, and full of fine print. We changed that.
At Real Innovation, we built a better way—designed for real people with real lives. That means:
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No long phone calls or endless forms
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No upsells or pressure tactics
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No more waiting weeks for an answer
We’ve reimagined the entire process from the ground up to be fast, affordable, and surprisingly human.
What Makes Us Different?
Real Options, Real-Time Decisions
Our platform compares top carriers in seconds and matches you with the right plan based on your needs and budget.
100% Online, 0% Headache
Apply in minutes from your phone or laptop—most people don’t even need a medical exam.
Expert Help, On Your Terms
Want to talk to someone? Our licensed agents are here when you need them—no pressure, just straight answers.
Backed by Industry Leaders
We partner with some of the most respected insurers in the world—so you get the trust of names like Americo, Lumico, and United, with the ease of modern tech.
Coverage You Can Trust
Our policies are insured by established life insurance companies like Americo, Lumico, United & Ethos. You get the dependability of major insurers and the convenience of a modern technology company.
Immediate/Easy Application
Our 100% hassle-free process makes it easy to apply with one of our concierge life agents. What used to take weeks can now be done in minutes. Most applicants don’t even need a medical exam.
Expert, Unbiased Advice
Our team takes a consultative, pressure-free approach. Whether you have questions about coverage, terms, or just need someone to walk you through the fine print, we’re here to guide you, not upsell you.
Flexible, Affordable Options
After a few quick questions, our system gets to work scanning a wide range of policies from top-rated carriers. In seconds, we’ll show you options that make sense for your life and your budget.
Automated Underwriting
Our simplified underwriting process uses new predictive modeling to provide instant decisions (when possible*), with no medical exams for most people.
*When not possible, we reduce the time from months to days.
Our Story
Peter Reierson founded Real Innovation with one simple question:
Why is life insurance still so hard to buy?
After two decades building financial and insurance companies, Peter and his co-founders saw how outdated and overwhelming the process had become—especially for everyday people just trying to protect their families.
So they set out to build something better:
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Affordable, flexible coverage
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A simple, friendly platform
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Policies that fit your life—not someone else’s checklist
Their goal? To bring life insurance into the now—and make sure no one gets stuck with a policy they don’t understand or can’t afford.
Peter Reierson
Founder, CEO
Chuck Hoskovec
CMO
Dan Hansen
COO