GOOD - Accident Plans
Cheapest • Ages 18 to 70 • Covers accidents only to age 80- No health questions
- Benefits from $5,000 to $300,000
- Great for temporary, budget focused protection
Good Better Best: Pick the plan that fits your family
Guaranteed Issue Whole Life, Immediate Whole Life and Accident Plans
We compare multiple A rated carriers, show Day 1 vs graded options, and match rider choices like accidental death, living benefits, and waiver of premium.
What you will learn
- When Accident plans work best and when full coverage makes more sense.
- The tradeoff between Guaranteed Issue and Immediate Whole Life.
- How riders change real world outcomes for families.
- How to avoid paying more than you should by shopping carriers.
Compare our plans at a glance
Rates from $9 per month on smaller benefits. Final pricing depends on age, state, health history, and tobacco use.
BETTER - Guaranteed Issue Whole Life
Everyone approved • Ages 18 to 80 • Lifetime coverage- Covers illness and accident
- Two year graded period is common
- Benefits $5,000 to $25,000, stackable
BEST - Immediate Whole Life
Day 1 coverage if approved • Ages 18 to 90 • To age 121- Premiums never increase
- Many approvals with simple questions
- Builds cash value you can borrow
More info about Accident life insurance
An affordable option with no health questions. Pays only for accidental death, not illness or natural causes. Available if age 18 to 70, coverage to age 80, benefits from $5,000 to $300,000.
More info about Guaranteed Issue Whole Life
Lifetime coverage with no health questions. Commonly graded for two years. Ideal when traditional underwriting is a challenge. Available ages 18 to 80. Benefits from $5,000 to $25,000 and you can stack policies.
More info about Immediate Whole Life with Day 1 options
Whole Life is permanent coverage with level premiums. Many approvals with a simple questionnaire, no exam. Builds cash value you can borrow. Available ages 18 to 90 with coverage to age 121. Benefits typically $2,000 to $50,000 without a medical exam.
1 What is final expense insurance
Whole Life designed to cover funeral and immediate end of life bills. Premiums are level and coverage does not decrease.
2 How much coverage do I need
Average funeral is about $8,500. Many families choose $10,000 to $15,000. We will match benefit to your goals and budget.
3 Is a medical exam required
Most plans do not require an exam. Many use a short yes or no application and a prescription check. Guaranteed Issue asks no health questions.
4 Is there a waiting period
Immediate Whole Life can offer Day 1 coverage if approved. Guaranteed Issue is commonly graded for two years. We will show both and help you qualify for Day 1 when possible.
What people say
“We compared three carriers in minutes and picked the one with Day 1 benefits.”
“The plan was clear, the price fit our budget, and the application took a few minutes.”