Life Insurance

We Offer Two Basic Types of Life Insurance

Term Life Insurance

Provides affordable coverage for a specific period of time. Payment amounts don't change for the guaranteed premium period.

Term Life Insurance

Permanent Life Insurance

Provides protection that lasts a lifetime or for the life of the policy. It may build cash value that can be used even when you are living.

We offer these types of Permanent Life Insurance:

Whole Life Insurance Universal Life Insurance

Provides affordable coverage for a specific period of time. Payment amounts don't change for the guaranteed premium period.

Typically, proceeds from a Term Life Insurance policy may be used to cover needs like:
  • Pay off mortgage on your home
  • Provide an emergency fund
  • Help provide for a child's education fund
  • Pay off personal debts
Compare our Term Life Insurance Policies
Term Life Answers® Term Life Direct
Customized Terms 10-, 15-, 20- and 30-year terms available Term to age 80
Eligible Ages 18-80* 30-74
Death Benefit Amounts $100,000 plus $25,000 – $100,000
Option to Convert to a Permanent Plan Yes No
Product Features
  • Straightforward, cost-effective term life protection
  • Additional benefits available
  • Can apply online now
  • No medical exam required, only a few health questions
Get a Quote

*Varies by product term chosen and risk class.

Apply Online

or call to apply (800) 556-9228

Premiums remain the same for the life of the policy and life insurance protection remains in place for as long as you live or the life of the policy. May build tax-deferred cash values*.

Typically, whole life insurance is used to cover long-term needs like:
  • Cover final expenses
  • Supplement existing life insurance coverage
  • Provide a gift for an important young person
Compare our Whole Life Insurance Policies
Whole Life Guaranteed (Direct) Whole Life Guaranteed Whole Life Express®
Eligible Ages 45-85 45-85 18-85
Death Benefit Amounts $3,000 – $25,000 $5,000 – $20,000 $20,000 – $50,000 ($5,000 – $50,000 for ages 26-44)
Premiums Never increase Never increase Never increase
Product Features
  • Guaranteed acceptance for ages 45-85
  • No medical exam. No health questions
  • Premiums never increase because of age or health
  • Can help cover final expenses
  • Guaranteed coverage for the insured's lifetime or the life of the policy, provided premiums are paid as required
  • Guaranteed issue, simplified application
  • Can help cover final expenses
  • Guaranteed coverage for the insured's lifetime or the life of the policy, provided premiums are paid as required
  • Simplified underwriting
  • Can help cover final expenses
Apply Online
or call to apply (800) 556-9228
Connect with an Agent Connect with an Agent

*Consult with a professional tax and/or legal advisor before taking any action that may have tax or legal consequences.


Children's Whole Life (Direct) Children's Whole Life
Eligible Ages 14 days – 17 years 14 days – 17 years
Death Benefit Amounts $5,000 – $50,000 $5,000 – $30,000
Premiums Never increase Never increase
Product Features
  • Low childhood rates that never increase
  • Guarantee of up to $250,000 in coverage later in life, regardless of changes in your child's health
  • Cash value that may grow along with your child
  • Just $1 for a full 3 months of coverage
  • Low childhood rates that never increase
  • Guaranteed Future Insurability with a permanent policy regardless of changes in your child's health
  • Cash value that may grow along with your child
Apply Online
or call to apply (800) 556-9228
Connect with an Agent

Flexible, permanent life insurance protection that lasts for your lifetime or the life of the policy and may build tax-deferred cash values. You determine policy and payment size, subject to policy minimums. This coverage allows you to make changes to it as your needs change.

Typically, universal life insurance is used to cover long-term needs like:
  • Develop an estate plan***
  • Facilitate business planning
  • Help provide money for education
  • May develop tax-deferred cash values for special situations such as retirement
Compare our Universal Life Insurance Policies
Guaranteed Universal Life
Guaranteed Universal Life Plus
Income Advantage℠
(Indexed Universal Life Insurance)
AccumUL Plus
AccumUL Answers
Eligible Ages 18-85 0 – 85 0 – 85
Death Benefit Amounts $100,000* – $1,000,000 and above $100,000 and above **** $25,000 – $1,000,000 and above**
Product Features Guaranteed Universal Life
  • Helps you guarantee a death benefit
  • Able to add features to customize policy
  • Helps you guarantee a death benefit with customizable features
Guaranteed Universal Life Plus
  • Ideal for Short Pays, Dump Ins & 1035's
  • Potential for cash accumulation based on the performance of a market index
  • Provides a death benefit as well as helping to accumulate funds for later needs such as emergencies, retirement and children’s education
  • Flexibility to adjust your premium payments and customize the policy through additional features
  • Helps you accumulate funds for later use (retirement income, education fund) while also providing a death benefit
  • Able to add features to customize policy
Connect with an Agent Connect with an Agent Connect with an Agent
Guaranteed Universal Life Express
Eligible Ages 18 – 65
Death Benefit Amounts $25,000 – $300,000 (Ages 18-50) $25,000 – $250,000 (Ages 51-65)
Product Features
  • Simplified underwriting
  • Quick issue process
  • Helps you guarantee a death benefit
  • Able to add features to customize policy
Connect with an Agent
We also offer universal life products for your estate planning*** needs (Guaranteed Universal Life Survivor).

*$50,000 – $99,999 for ages 66 – 85 Standard Nontobacco and Standard Tobacco; $100,000+ for ages 81 – 85 Standard Nontobacco and Standard Tobacco
**Below $100,000 only Standard Nontobacco and Standard Tobacco risks are available, ages 0 – 17 Standard Nontobacco only, ages 18 -80 (all risks), ages 81 – 85 Standard Nontobacco and Standard Tobacco risks only.
***Consult with a professional tax and/or legal advisor before taking any action that may have tax or legal consequences.
****Ages 0 – 17 Standard Nontobacco only, ages 18 – 80 (all risks), ages 81 – 85 Standard Nontobacco and Standard Tobacco risks only.