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Life Insurance

Solutions

A holistic suite of Life Insurance products addressing life-stage milestones. 

Level Term Life Insurance

Our Level Term Life Insurance product is offered on an accelerated underwriting basis.  

It’s designed to provide protection for specific life events, such as paying for a home mortgage, or saving for a child’s college education. 

Product features

  • Simple, affordable protection up to $3M
  • Flexible term period (10, 15, 20 or 30 years)
  • Premium guaranteed not to increase during the level term period
  • Selection of riders to add to or customize your coverage

Why choose us?

  • Simple, affordable protection
  • Qualified applicants receive a decision and immediate coverage up to $500,000 – in about 10 minutes
  • Competitive rates
  • Selection of riders to add to or customize your coverage
  • No additional charges for monthly payments and no hidden policy fees
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Simplified Issue Term Insurance

50% of people have Life Insurance coverage to help pay off a mortgage.** 

Our Simplified Issue Term Life Insurance product is designed for young families who want to cover insurance needs with a specific time horizon such as a home mortgage and kids’ college education.

*2020 Insurance Barometer, LIMRA.

Product features

  • Simple, affordable coverage up to $1M
  • Flexible term period (10, 15, 20 or 30 years)
  • Flat premium payment

Why choose us?

  • Fewer questions and no medical examination needed

Whole Life Insurance

Our Whole Life Insurance product is a simple, protection-focused solution, with affordable premiums and guaranteed cash values. It’s designed to last a lifetime.

Product features

  • Affordable, lifelong protection up to $3M
  • Premiums and cash values guaranteed
  • Selection of riders to add to or customize your coverage

Why choose us?

  • Competitive rates
  • Immediate decisions for qualified applicants
  • Coverage up to $1M – available in about 15 minutes
  • Cash value accumulation
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Simplified Issue Final Expense (SIFE) Insurance

The top reason why people buy Life Insurance is to cover funeral and other end of life costs, such as medical bills.** 

Our SIFE insurance product is designed to help relieve families of these types of expenses.

*2020 Insurance Barometer, LIMRA.

Product features

  • Quick and easy coverage up to $30,000
  • Affordable price based on individual health

Why choose us?

  • Instant decision for qualified applicants
  • Immediate coverage – in about 10 minutes
  • Solutions tailored to insurance needs of people age 50+

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Insurance carriers

Our products are delivered through the Lumico family of companies, featuring Lumico Life Insurance Company and Elips Life Insurance Company. 
 
Both companies have an “A” (Excellent) rating by A.M. Best* – one of the leading rating agencies in the global insurance industry. “A” (Excellent) and is the second highest of 15 ratings that can be awarded.  

Our carriers have a collective 50+ years’ track record insuring individuals and families, and are part of Swiss Re, a global financial services business. 
 
*These ratings reflect claims paying ability but are not a guarantee of future performance.

 

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