Help Protect with Permanent Coverage
Help Protect with Permanent Coverage
Receive instant coverage ranging from $2,000-$25,000*. Coverage is offered in $1,000 increments. Take the next step to apply in as little as five minutes.
3 simple steps to apply online
Enter your personal information (your name, address, phone number and email address).
Name your beneficiaries. People frequently choose to name their spouse or their adult children. You can opt to change this at any time.
Choose your preferred payment method and submit your application.
What you’ll receive:
Guaranteed acceptance for ages 45-85 (in NY, 50 -75)
Affordable rates that never increase
Benefits that are never reduced because of age or health
No medical exams or health questions to answer
Most claims are paid within 24 hours*
30-day money-back satisfaction guarantee
Frequently asked questions
A guaranteed whole life insurance policy is different than other policies you may see in the market. This policy is not intended to replace lost income or to build a financial legacy for your dependents. Rather, it’s to be used to pay for final expenses or pay off debts.
We make it simple for you. There are only 3 factors impacting the cost of monthly premiums: age, gender, and coverage amount. Apply early for life insurance because policy rates increase each birthday. Once you apply, your premiums are locked in for life.
Your benefits can be used to cover burial, funeral, other final expenses or to pay off debts.
If you die of natural causes during the first two years of your policy, your beneficiary will receive a reduced death benefit. For accidental deaths, full benefits are paid from the first day your policy is effective. A graded death benefit helps the insurance company offset risk and is industry standard for a guaranteed whole life policy.
You’ll receive benefits exclusive to our customers, such as discounts on healthy living products and services.
Exclusions and Limitations
During the first two years, if you die from natural causes (any cause other than accidental), your beneficiaries will receive all premiums paid, plus 10%. After two years, the full benefit is paid for death due to all causes. For accidental death - independent of sickness and all other causes – full benefits are paid from the first day our policy is issued. (All benefits will be paid less any outstanding policy loan.)