Affordable Life Insurance
for Every Stage of Life

Usually no. Most plans just ask a few health questions over the phone — no exam, no blood work. If a plan does require one, we'll let you know before we start.

Most of our clients take medication for blood pressure, cholesterol, diabetes — that's normal. We work with carriers that approve these conditions every day. If your health is more serious, we have guaranteed-acceptance plans with no health questions at all — everyone ages 50–80 is accepted, with a 2-year rule on natural causes. Here’s how they work.

Less than most people think. LIMRA research found over half of consumers estimate life insurance at about three times its real cost — and 54% admit their guess was pure gut instinct. In reality, final expense plans start around $20–$40/month for most people, and term life for a healthy 35-year-old can be under $25/month for $250K. The fastest way to know is our free rate calculator — no phone number required.

Those plans charge $9.95 per unit, not per policy — and a unit buys less coverage the older you are. At age 70, one unit covers about $750, so $10,000 of coverage takes 13–14 units: $129–$139 a month. Every one of them also has a mandatory 2-year waiting period, even if you're healthy. Most people qualify for more coverage at a lower price with day-one coverage — here's the full breakdown.

No. You can apply 100% online, start to finish — or check your rate with the calculator without giving a phone number. And whenever you want a human, we're one call or text away at 971-444-6449. Your choice, your pace.

Yes — and this surprises a lot of people. Many declines happened years ago, on a different type of policy than what you'd apply for today. Burial insurance is built for people with health conditions — carriers approve controlled diabetes, blood-pressure medication, and past heart issues every day. And if your health is more serious, guaranteed acceptance life insurance accepts everyone ages 50–80 with no health questions — accidents are covered in full from day one, and a 2-year rule applies to natural causes.

We cover ages 0 to 85. Most of our clients are in their 50s, 60s, and 70s. Age doesn't disqualify you — we have plans designed specifically for seniors.

Most of our clients are approved the same day. The entire process — from your first call to active coverage — usually takes about 20–30 minutes. No waiting, no follow-up appointments.

With whole life (burial insurance) — never. Your rate is locked the day your policy is issued and stays the same for life. With term life, your rate is locked for the entire term you choose (10, 15, 20, or 30 years); when the term ends, you can renew at your age then, convert to a permanent policy, or simply let it end. Nothing changes mid-term — and your rate can never go up because your health changes.

Term life covers you for a set period (10, 15, 20, or 30 years) — it's the most coverage for the least money. Whole life covers you for your entire life and your rate never changes. Most families use term to protect their mortgage and income, and whole life for final expenses. Here's the full comparison.