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We offer life insurance products for ages 40-85 (most states), including Guaranteed Benefit and Permanent Whole Life Insurance.
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Guaranteed Issue Whole Life

No Exam or Health Questions, Ages 50-85

  • Guaranteed Acceptance. You cannot be turned down because of your health
  • No health questions asked, no physicals to take
  • For ages 50-85 (most states)
  • Your benefit won’t decrease because you grow older, although it is limited in the 1st two years.
  • Your rate is locked in and guaranteed to never increase for as long as your coverage lasts.

Each policy we issue comes with a 30-Day Free-Look Guarantee

Permanent Life Insurance

No Exam, Just Health History, Ages 40-75

Permanent, Whole Life Insurance

  • No medical exam. Answers to a few questions on the application/enrollment form will help us determine your eligibility.
  • For ages 40-75 (most states).
  • Up to $50,000 of permanent whole life insurance
  • Your benefit won't decrease as you grow older.
  • Your rate is locked in and guaranteed to never increase for as long as your coverage lasts.

Each policy we issue comes with a 30-Day Free-Look Guarantee

What kind of life insurance do you offer?

  • Guaranteed Acceptance whole life insurance (ages 50 - 85, most states)
  • Permanent, whole life insurance up to $50,000 (ages 40 - 75). No medical exam is required - your answers to a few health questions help us determine your eligibility

What is a unit?
For our Guaranteed Acceptance Life plan, a unit of coverage corresponds to the life insurance benefit amount you can purchase, and it depends on age, gender and state. Please get a quote to see benefit amounts and premiums available to you for up to 8 units of coverage.

If I apply online for Guaranteed Issue Life, when will my coverage become effective?
When you receive your insurance documents, all you need to do to put your coverage into effect is just sign and return your application/enrollment form, and if you've chosen to be billed directly or through EFT, include a check for your first payment (future EFT payments will be automatically deducted from your bank account). Otherwise we'll charge your credit card. For future payments we'll either bill you directly, deduct from your bank account, or charge your credit card - monthly or annually - as you indicate here.

  • We'll automatically assign an effective date three weeks from the date we process your request, in order to give you enough time to receive your policy/certificate and send back your signed application and first premium payment.

  • If you select credit card billing, your effective date may be the date we process your application/enrollment form, depending on your state of residence. We won't charge your account prior to the coverage effective date.

Will I always need to answer medical questions and take a physical to apply for coverage?
No. With our Guaranteed Acceptance Life plan you cannot be turned down for coverage due to your health (there is a 2-year limited benefit before full benefits take effect). For some of our plans your answers to a few simple health questions help us determine your eligibility, but you will not be required to take a physical.

What if I apply for coverage, but change my mind later?
Count on our 30-Day Free-Look Guarantee for peace of mind. If you decide this coverage isn't for you, no matter what the reason, just return your insurance documents within 30 days of receipt for a complete refund, no questions asked.

Does it pay to act now?
When it comes to buying life insurance, age matters. It makes good sense to apply now. If you have a birthday in the near future we suggest calling us right away, so you can quickly lock in the lowest possible rates or highest possible benefit amount.

Do you offer online Customer Service?
Yes! Customers can register at and see their coverage, premium, cash value and loan information. We also offer online premium payment, and you can email us anytime with questions about your policy.