No medical life insurance requires no medical exams or needles and no medical reports. It is designed for those who are hard to insure, have been turned down before, or for those looking for a quick, easy way to get life insurance before their 90th birthday.
WHOLE LIFE:
Coverage remains in effect for the lifetime of the insured.
Family Compass (ages 20-90)
Permanent Life insurance – new issues up to age 90 with guaranteed level premiums for life; no medical exam; limited proof of insurability.
Coverage: $2,000 to $25,000
Simplified Life (ages 25 to 80)
The Simplified Life policy is designed for those hard-to-insure in the standard market.
Coverage: $1,000 to $50,000
Simplified Life Plus (ages 25 to 80)
Coverage: $50,001 to $75,000
Deferred Life (ages 25-80)
Deferred Life is our quick issue whole life insurance plan, for those who do not qualify for Simplified Life. If death occurs in the first two years, premiums are returned plus 3% simple interest. After two years the policy automatically changes from accidental to whole life insurance.
Coverage: $1,000 to $50,000
Acceptance Life (ages 40-80)
This is a whole life insurance plan that has been designed for those who do not qualify for other plans. Qualifying is as easy as answering two simple questions. If death occurs in the first two years, premiums are returned with simple 3% interest.
Coverage: $2,500 to $50,000
Plan Direct Guaranteed Life Insurance (ages 50-85)
Guaranteed acceptance; no medical questions to qualify; provides lifetime coverage. Full accident protection in the first two years – During the first two years if death occurs by accident the plan pays five times the amount of coverage purchased. For death from natural causes your premium is refunded with interest at 5% per annum compounded annually. After 24 months the full amount of coverage purchased is payable for death due to natural causes. If death is caused by accident the benefit is five times the amount of coverage.
Coverage: $2,500 to $25,000
TERM INSURANCE:
Simplified Term (ages 20 to 70)
The Simplified Term Life policy is designed for those hard-to-insure in the standard market; limited proof of insurability; no medical examination, needles, or doctor’s reports. It is available for 10 & 20 years or to age 100.
Coverage: Term 10 & 20: $50,000 – $150,000
Term to 100: $25,000 – $150,000
Simplified Term Plus (ages 20 to 70)
Coverage: $50,001 to $75,000
Deferred Term (ages 20-70)
The Deferred Term policy is for those that do not qualify for a Simplified Term plan. It is available for 10 & 20 years or to age 100.
Coverage: Term 10 & 20: $50,000 to $100,000
Term to 100: $25,000 – $100,000