Its like a search engine, except for life insurance quotes. Whether you need term life, a whole life permanent product, or final expense coverage... We have options for you. Quote yourself if you want, or message us below if you have a questions and we'd be happy to assist. It's that easy..
Life
Simplified Underwriting
Convertible to Permanent Insurance
Guaranteed Issue
Competitive Rates
SBLI Accelerated Term Life Insurance offers policyholders affordable premiums, you can choose coverage terms ranging from 10 to 30 years. The standout feature is the Accelerated Benefit Rider (ABR), which provides a safety net during difficult times. If diagnosed with a qualifying terminal, critical, or chronic illness, the policyholder can access a portion of the death benefit while alive.
SBLI's simplified underwriting process ensures a quick and hassle-free application experience, often eliminating the need for medical exams or lab work. Additionally, the policy includes a convertibility option, allowing policyholders to convert their term policy into a permanent life insurance policy without undergoing additional medical evaluations.
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Instant Coverage
Simple Quick Process
Lower Premiums
Living benefits if diagnosed with a qualifying terminal illness, critical illness, or chronic illness
SBLI Instant Term Life Insurance provides straightforward and speedy coverage with a simplified application process. Policyholders can secure their family's financial future with a death benefit if they pass away during the policy term. You can choose coverage terms from 10, 15, 20, & 30 years, but not 25 life the accelerated term.From the time you start the application you could be covered in less than 20 minutes. So when it says instant term, it is exactly that.
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Death Benefit Protection
Return of Premium Feature
Financial Security with a Savings Element
SBLI Instant Term with Return of Premium (ROP) is a unique life insurance product that combines the benefits of traditional term life insurance with a return of premium feature.
If the policyholder outlives the term of the policy...SBLI guarantees to return all the premiums paid over the policy's term. It's a savings account, and life insurance product. It
offers policyholders the best of both worlds - the peace of mind that comes with life insurance protection and refund of premiums if they do not pass away during the term.If you are unsure about a question on the plum life quoting tool, click my icon up top and message me to get clarification.
Guaranteed Acceptance
Permanent Coverage
Fixed Premiums
Simplest Application
Guaranteed Acceptance: AIG Guaranteed Issue Whole Life Insurance offers guaranteed acceptance, meaning that applicants cannot be turned down for coverage due to their age or health status. There are no medical exams or health questions required to qualify for the policy, making it an accessible option for individuals who may have pre-existing health conditions.Permanent Coverage: This type of policy provides permanent life insurance coverage for the lifetime of the insured, as long as premiums are paid. Policyholders need not worry about the policy expiring or having to renew it at the end of a specific term. The death benefit is guaranteed, and the policy accumulates cash value over time, which can be accessed or borrowed against if needed.
Fixed Premiums: With AIG Guaranteed Issue Whole Life Insurance, the premiums are fixed and guaranteed to remain the same throughout the life of the policy.
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Unique Term Life
Get rewards for steps, eating healthy.
Premiums savings
Gym Discounts
Term life insurance: The product is a term life insurance policy ranging from 10, 15, 20, or 30 years. Term life insurance is generally more affordable compared to permanent life insurance options.
Flexibility: John Hancock's Simple Term Vitality Product offers flexibility to policyholders.
Vitality Program: This program provides policyholders with opportunities to earn rewards and incentives by leading a healthy lifestyle. By participating in various activities and achieving wellness goals, policyholders can earn discounts on premiums, shopping rewards, and access to fitness-related resources.
Enhanced living benefits: Simple Term Vitality also includes living benefits, which allow policyholders to access a portion of the policy's death benefit if they experience a qualifying chronic, critical, or terminal illness.
Simple application process: John Hancock has streamlined the application process for Simple Term Vitality, making it easier and quicker to apply for coverage.
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Living Benefits
Accelerated death benefit riders, accidental death benefit riders, or waiver of premium riders
Convertibility
Competitive Premiums: Transamerica Trendsetter is known for its competitive premium rates. The company offers affordable pricing, making it a cost-effective life insurance option for individuals and families looking for financial protection.
Convertibility: The Trendsetter policy provides the option to convert your term life insurance coverage to permanent life insurance without requiring a medical exam or providing evidence of insurability. This feature offers peace of mind, knowing that you can adapt your coverage as your needs change over time.
Living Benefits: Transamerica Trendsetter includes living benefits, which allow policyholders to access a portion of their death benefit while they are still alive if they experience a qualifying terminal, chronic, or critical illness.
Additional Riders: Transamerica Trendsetter offers various optional riders that can enhance your policy. These riders may include accelerated death benefit riders, accidental death benefit riders, or waiver of premium riders, among others.
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Basic Term Insurance
Affordable Premiums
Convert from term to permanent insurance
Coverage Customization
Affordable Premiums: Term Life Express Insurance provides an affordable option for life insurance coverage. As a term life policy, it offers protection for a specific period, such as 10, 15, 20, or 30 years, with level premiums during that term. The premiums are generally lower compared to permanent life insurance policies, making it an attractive choice for budget-conscious individuals or those seeking coverage for a specific period, such as until their children are financially independent or until a mortgage is paid off.
Convertibility: One great feature of Term Life Express Insurance is its convertibility option. Policyholders have the flexibility to convert their term policy to a permanent life insurance policy without the need for a medical exam or proving insurability.
Coverage Customization: With Term Life Express Insurance, individuals have the flexibility to customize their coverage to suit their specific needs. Policyholders can select the term length and coverage amount that aligns with their financial goals and family's needs. This is a great traditional term option.
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Guaranteed Acceptance Final Expense
Fixed Premiums
Lifetime Coverage
Guaranteed Acceptance: One of the significant advantages of Living Promise Final Expense Insurance is its guaranteed acceptance feature. This means that applicants within certain age limits are guaranteed approval for coverage, regardless of their health condition. There are no medical exams or complicated underwriting processes. This makes the policy accessible to individuals who may have pre-existing health conditions or concerns about qualifying for traditional life insurance.
Fixed Premiums: With Living Promise Final Expense Insurance, policyholders enjoy the stability of fixed premiums. Once the policy is in place, the premium amount remains the same throughout the life of the policy, regardless of the insured's age or health status.
Lifetime Coverage: The policy provides lifetime coverage, ensuring that the death benefit remains in force as long as the premiums are paid. With Living Promise, policyholders have the comfort of knowing that their beneficiaries will receive a death benefit upon their passing, which can help with funeral costs, outstanding debts, or other financial obligations.
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Simple Application
Guaranteed Acceptance
Lower Premiums
Fixed Premiums and Lifetime Coverage
Simplified Application Process: One of the primary advantages of simplified issue final expense insurance is the simplified application process.
Guaranteed Acceptance: Simplified issue final expense insurance policies often offer guaranteed acceptance, meaning that applicants within a certain age are automatically approved for coverage regardless of their health status. This feature makes it an attractive option for seniors who want to ensure their end-of-life expenses are covered without worrying about health-related barriers.
Fixed Premiums and Lifetime Coverage: Final expense insurance policies, including simplified issue options, typically offer fixed premiums that remain constant throughout the policy's duration. This guarantees that the designated beneficiaries will receive the death benefit to cover the insured's final expenses.
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