The cheapest life insurance available

Term life insurance is a simple, affordable policy that provides financial protection for a set period—usually 10, 15, 20, 25, or 30 years. If you pass away during that term, your beneficiaries receive a tax‑free death benefit they can use to replace income, pay off debts, or protect long‑term family goals.

Permanent, long-term protection with cash value

A customizable, permanent policy

Universal life insurance is a flexible type of permanent coverage that combines lifelong protection with a cash value account that grows tax‑deferred. Unlike whole life, universal life lets you adjust your premiums and death benefit over time, giving you more control as your financial needs change. The cash value earns interest based on market rates or policy design, and you can use it to lower premiums, build long‑term savings, or access funds when needed. It’s ideal for people who want lifetime coverage with customizable costs and growth potential.

Limited underwriting (or none at all) with guaranteed approval

Guaranteed issue life insurance is a type of permanent life insurance that approves you without medical exams, health questions, or underwriting requirements. As long as you meet the age criteria, you’re accepted—making it a strong option for people with serious health conditions or those who have been declined for traditional coverage. These policies provide a tax‑free death benefit and typically include a graded benefit period, meaning full coverage begins after an initial waiting period. Guaranteed issue life insurance is designed to help families cover final expenses, medical bills, and end‑of‑life costs with certainty, simplicity, and guaranteed approval.

Note: if you work over 20 hours per week in gainful employment, and meet age requirements, we offer guaranteed issue term life starting at $100,000. We have many guaranteed issue life insurance options that go beyond what the typical broker offers. If this is your situation, contact us. I am happy to go over your options.

Life insurance options no matter your situation