Frequently Asked Questions
Top Question with the best and to the point answers!
Is the coverage permanent?
Yes, the insurance provided is a permanent whole life insurance policy.
Do I need to undergo a medical exam to qualify?
No, there are no medical exams required for the application.
Will my monthly rates increase over time?
No, your monthly rates are locked in for life and will never increase, regardless of your age or changes in your health.
How does the beneficiary receive the funds?
The proceeds are paid directly to your beneficiary as cash, offering flexibility to cover any financial need.
What is the application process like?
The process is streamlined, with decisions made based on health questions rather than extensive medical requirements.
Is this insurance available for adults of any age?
The policy is designed for adults, with coverage available up to 65 years of age.
Can I still get coverage if I have health conditions?
Yes, we accept 99% of all applicants, even those with preexisting health conditions.
What is the benefit of the Personal Funeral Advisor?
Every policy provides a team of Personal Funeral Advisors at no extra cost to assist your family with clarity and compassion during the end-of-life process.
How quickly are the benefits paid out?
Funds are provided within 24 hours of claim approval to ensure your family can handle necessary decisions and purchases.
What is the purpose of the policy?
The policy is intended to help safeguard your family from financial burden and ensure your final wishes are carried out with dignity.