Whole Life Insurance

Permanent life insurance (also known as Whole Life Insurance) remains in force for the whole of the policyholder's lifetime. The premium amount can be paid up over 20 years, until age 65, or to age 100.

Some plans offer a cash surrender option that allows you to cancel your policy after a number of years and receive a lump-sum tax-free payment. Most plans also have a reduced paid-up option that gives you the option of stopping your payments and reducing your coverage amount. As an added benefit, most of our permanent plans offer the Best Doctors service. If you are diagnosed with a critical illness, Best Doctors gives you information about the best medical treatments and experts in your region, country, and the world.

Acceptance Life was designed for hard-to-insure individuals who are between 40 to 80 years of age and have been declined insurance for any reason. Benefit amounts range from $5,000 to $50,000. Features include terminal illness and transportation benefits. (...more)

Deferred Life was designed for the hard-to-insure and seniors. If death occurs in the first two years, premiums are returned plus 3% simple interest. Those in better health should purchase either the Simplified Life or Simplified Life Plus policy. It can be purchased by those 25 to 80. (...more)

This plan was designed for people 25 to 80 who may have health conditions, do not want to take a medical exam, or provide a doctor's report. Benefit amounts range from $1,000 to $50,000. Features include terminal illness and transportation benefit. (...more)

If you are a non-smoker between 25 to 80, and have been in good health for the past 5 years, you may be eligible to purchase this plan online today. Benefit amounts can be up to $75,000. Features include terminal illness and transportation benefits. (...more)