If you are between 65 and 85 years old, your approval is guaranteed. No health questions or medical exams are required.

Features and benefits of this coverage

See what's included in our whole life insurance policies.

Approval guaranteed

If you are between 65 and 85 years old, you are guaranteed approval regardless of any health issues. It's that simple.

Affordable Lifetime Protection

As long as you keep your premiums up to date, this coverage will last you a lifetime. Premiums are fixed, meaning they won’t increase over the life of your policy. The quote you receive today is the same as your final rate.

Cash value

This policy automatically accumulates cash value. You can use this cash value for emergencies or to supplement retirement income by taking out a tax-free policy loan against the cash value. Please note that outstanding policy loans will reduce the amount of the death benefit paid to your beneficiaries.

How it works

Apply in minutes

Our streamlined online application process ensures your instant approval. No health questions or medical exams.

Choose your coverage

Choose from US$ 10K, US$ 15K, US$ 20K, US$ 25K and US$ 30K in coverage. Once you secure a monthly premium, it will remain the same throughout the term of your policy. Guaranteed.

Get coverage instantly

Once you link a credit card and make your first payment, you’re covered. Coverage is immediate and valid for life.