Instant Term Life Insurance with Living Benefits

If you’re looking for affordable coverage to protect your income, mortgage, or young family, instant-decision term life is often the starting point.

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Key features may include:

• Coverage amounts typically from $50,000 up to $1,000,000 (varies by age and state)

• Level term periods (e.g., 10, 15, 20, or 30 years)

• No medical exam – underwriting is based on your application and data sources

• Built-in living benefits on many policies:

  • Chronic illness rider – may allow you to accelerate part of your death benefit if you meet criteria for a qualifying chronic illness

  • Terminal illness rider – may allow you to access a portion of the death benefit if diagnosed with a qualifying terminal illness

• Optional riders on certain plans, such as accidental death benefit or coverage for dependent children (availability varies)

 

This type of coverage is ideal for:

• Young or growing families

• People with a mortgage or other long-term debts

• Anyone wanting more protection than what they get at work

Compare instant term life options in minutes: Start my term life quote.

 

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Final Expense Life Insurance (Simplified Issue Whole Life)

Final expense policies are small, permanent life insurance plans designed to help cover funeral, burial, and other end-of-life costs.

 

Typical features:

• Available for many people ages 50–85

• Smaller coverage amounts (often $5,000–$40,000)

• No medical exam; simple health questions

• Premiums are generally fixed for life as long as required payments are made

• Policy is designed to stay in force for your lifetime, not just a term period

 

This may be a good fit if:

• You want to make sure loved ones aren’t scrambling to pay for funeral expenses

• You prefer a predictable monthly payment and permanent coverage

• You’ve been putting off life insurance and want a straightforward option

Looking for coverage to help with funeral and burial costs? Get a final expense quote online.

 

 

Guaranteed Issue Life Insurance

Guaranteed issue life insurance is designed for people who may not be able to qualify for traditional or simplified issue policies due to serious health issues.

 

Common characteristics:

• No health questions and no medical exam

• Typically available to older age groups (for example, ages 50–85)

• Coverage amounts are usually modest (e.g., $5,000–$25,000)

• Many policies include a graded benefit period for non-accidental death in the first few years (for example, a limited benefit in years 1–2, with full benefits thereafter), depending on the product

 

Guaranteed issue may be appropriate when:

• You’ve been declined for other life insurance

• You have serious health conditions and still want to leave something for final expenses

• You understand the higher cost and graded-benefit structure, but need a last-resort solution

Have health challenges or prior declines? Check guaranteed issue options now.

 

 

Accidental Death Insurance

Accidental death insurance pays a benefit if your death is caused by a qualifying accident, as defined in the policy. It does not cover death from illness.

 

Key points:

• Often no medical questions

• Can sometimes be purchased as a standalone policy or as a rider on certain life insurance plans

• May be attractive to people with high-risk jobs or who spend a lot of time on the road

• Generally lower cost compared to traditional life insurance at similar benefit levels

 

Accidental death coverage is usually best viewed as a supplement, not a replacement, for regular life insurance.

See if accidental death coverage is available with your quote: Start my instant quote.