Cover Your Life
Coverage up to $1m
Pays a death benefit to your loved one(s) if you pass away before the term ends (payout typically within 60 days). Beneficiary can receive lump sum inheritance or an annuity. More cost effective than permanent life policies. Can include living benefits & other riders (like accidental or terminal illness). No medical exam on simplified issues, otherwise need to complete full underwriting via carrier-paid lab work. Issue ages 18-80.
Pays a death benefit to your beneficiary(s) if you pass away, but also includes a cash back living benefit option to be refunded up to all of your premium at the end of the term - if you are still alive. Costs about 2x-3x level term option. Can include living benefits & other riders. No medical exam on simplified issue.
Rate depends on age and health factors.
Families: Leave an inheritance.