No medical exam is required. We offer simplified issue and guaranteed acceptance policies. Most plans only require you to answer a few basic health questions, and some plans offer guaranteed acceptance regardless of health conditions.

Most applications are approved the same day, often within hours. Once approved, your coverage begins as soon as your first payment is processed. Many policies offer immediate Day 1 coverage with full benefits.

No, your premiums are locked in for life. Once you’re approved, your rate will never increase and your coverage amount will never decrease, giving you predictable costs you can budget for.

Your beneficiary receives a tax-free lump sum payment that can be used for any purpose – funeral costs, burial or cremation, outstanding medical bills, credit card debt, mortgage payments, or any other expenses. There are no restrictions.

The average funeral costs $8,000-$12,000. Most people choose between $10,000-$25,000 in coverage to handle funeral expenses and any outstanding bills. We offer coverage from $2,000 to $50,000+ to fit your specific needs and budget.

We specialize in helping people with health conditions get covered. Many of our plans offer guaranteed acceptance regardless of health. Even if you’ve been declined elsewhere, we likely have options for you.

Many of our plans offer immediate Day 1 coverage with full benefits. Some guaranteed acceptance plans may have a brief graded benefit period. Your agent will explain all the details for your specific plan.