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GOOD (Accident-Only): Cheapest, covers only accidental death, no medical questions. Read more...
BETTER (Guaranteed Issue Whole Life): Full coverage after 2 years. Great for funeral and final expenses if you have any major health issues. Read more...
BEST (IMMEDIATE Whole Life): Day-1 FULL coverage, premium never increases, benefit guaranteed to never increase for life (age 121). Ideal for final expenses, funeral or legacy planning. Read more...
Accident-Only coverage is an affordable option if you want a guaranteed policy without health questions. It pays out upon accidental death but does not cover death from illness or natural causes. This can be ideal for those who do not qualify for standard policies due to health issues, or those seeking a budget-friendly option.
If you prefer full coverage for ANY cause of death, see below other full-coverage options or Whole Life instead). Accident-only life insurance is available if you are between the ages 18-70 at the time of policy purchase and coverage stays to age 80. Benefit amounts range from $5,000 to $300,000 Accident-Only Life Insurance.
➡️ Get Your Quote NowFull coverage life insurance after the initial 2 years (covers accident-only during the first two years). Guaranteed Issue Whole Life typically covers you for life. Good for final expenses, funeral planning. Great for people with significant health issues that can't get anything else. Everyone is approved. No questions asked. Policy never expires - lifetime coverage. Available for ages 18-80. Policy lasts to age 121. Benefit amounts from $5,000 to $25,000. May stack multiple policies. Premiums are higher because there are no medical questions. You may actually qualify for cheaper (Day-1) WHOLE LIFE - see next product below.
➡️ Get Your Quote NowWhole Life insurance provides lifelong coverage and fixed premiums. Most everyone can be approved by answering a few questions - NO MEDICAL EXAM. Coverage is guaranteed for life and premiums never increase. Part of your premium goes toward building cash value, which grows tax-deferred. You can borrow against this cash value if needed.
Best option for final expenses, funeral planning, retirement supplemental income, estate planning, or leaving a guaranteed legacy to beneficiaries. Low premiums will never increase, for life. Available to ages 18-90. Coverage guaranteed until age 121. Benefit amounts from $2,000 to $50,000 without a medical exam. If you need more benefit, a medical exam may be needed. Get peace of mind - start coverage today!
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