Protect What
Matters Most
Secure your family's financial future with life insurance coverage you can trust. From affordable term policies to permanent protection, we help you find the perfect coverage for your family's needs.
No medical exam for coverage up to $500k
Instant approval in under 10 minutes
Rates locked in for life
Covers All Final Expenses
Funeral costs, burial expenses, outstanding medical bills, and other end-of-life costs are fully covered.
Protects Your Family
Prevents your loved ones from having to pay out-of-pocket or go into debt for your final arrangements.
Quick & Easy Process
Simple application with no medical exams or lengthy underwriting. Get approved in minutes, not weeks.
Guaranteed Acceptance
Ages 45-85 are guaranteed to be accepted regardless of health conditions or pre-existing illnesses.
What Our Families Say
Real testimonials from families we've helped secure their final expense coverage
"The process was so much easier than I expected. Within a week, I had affordable coverage that gives me peace of mind knowing my family won't be burdened with funeral costs. The agent was incredibly patient and explained everything clearly."
"After my husband passed, I realized how important this coverage is. Getting my own policy was straightforward, and the monthly premium fits perfectly in my budget. I wish we had known about this sooner."
"No medical exam required and instant approval! I was worried about my health conditions, but they made it so simple. My children are relieved knowing everything is taken care of."
"The customer service was exceptional. They walked me through every step and answered all my questions. Having this coverage gives me tremendous peace of mind at such an affordable price."
"I compared several companies and this was by far the best value. The application took just minutes, and I was approved the same day. My family is protected and I'm not stressed about finances anymore."
Frequently Asked Questions
Get answers to common questions about life insurance coverage
What exactly is life insurance?
▼Life insurance is a financial contract between you and an insurance company. In exchange for regular premium payments, the insurer guarantees to pay a specified death benefit to your designated beneficiaries when you pass away. This financial protection helps ensure your loved ones can maintain their standard of living and meet financial obligations even after you're gone.
Do I really need life insurance if I'm young and healthy?
▼Yes, being young and healthy is actually the perfect time to get life insurance. Premiums are typically much lower when you're younger, and you can lock in these rates for the life of your policy. Plus, life insurance isn't just about replacing income – it can help cover student loans, co-signed debts, and funeral expenses that could burden your family.
What's the difference between term and whole life insurance?
▼Term life insurance provides coverage for a specific period (10, 20, or 30 years) with lower premiums but no cash value. Whole life insurance offers permanent coverage with higher premiums but builds cash value over time that you can borrow against. Term is ideal for temporary needs, while whole life works for permanent financial planning.
How much life insurance coverage should I have?
▼A common rule of thumb is 10-12 times your annual income, but your specific needs depend on your debts, dependents, and financial goals. Consider your mortgage, children's education costs, and how long your family would need income replacement. Our free calculator can help determine the right amount for your situation.
Can I increase my coverage later if my needs change?
▼Many policies offer riders that allow you to increase coverage for major life events like marriage, having children, or buying a home – often without additional medical underwriting. However, it's generally more cost-effective to get adequate coverage from the start rather than adding coverage later.
What if I have pre-existing health conditions?
▼Pre-existing conditions don't automatically disqualify you, but they may affect your premiums or coverage options. Many conditions like diabetes, high blood pressure, or even some cancers can still qualify for coverage. We work with multiple insurers to find the best rates for your specific health situation.
How long does the application process take?
▼The application itself takes about 20-30 minutes online. After that, most insurers require a medical exam (usually at your home or workplace) and may request medical records. The entire underwriting process typically takes 4-8 weeks, though some companies now offer accelerated underwriting that can approve policies in just a few days.
Do I need a medical exam for all policies?
▼Not always. Some insurers offer no-exam policies up to certain coverage amounts (usually $250,000-$500,000) for healthy applicants. These policies may have slightly higher premiums but offer faster approval. The exam requirement depends on your age, health, and the coverage amount you're seeking.
Are life insurance benefits taxable to my beneficiaries?
▼Generally, no. Life insurance death benefits are typically received income tax-free by your beneficiaries. However, if the policy has been transferred for valuable consideration or if there are large estate tax implications, there could be tax consequences. It's always wise to consult with a tax professional for your specific situation.
Can I use my life insurance while I'm still alive?
▼Yes, in several ways. Permanent life insurance policies build cash value you can borrow against. Many policies also include living benefits riders that allow you to access a portion of the death benefit if diagnosed with a terminal illness, chronic illness, or critical illness. Some policies even offer long-term care benefits.
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Your Family?
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