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​Healthy or not – We have a plan for you!

Our Whole Life product is designed to provide coverage to anyone 0 – 85 regardless of medical history. We have an affordable plan for everyone and there are no medical exams required! Just answer a few health questions.

Whole Life Plans

Ultimate Preferred

Whole Life Coverage

Minimum Face Amount: 10,000

Maximum Face Amount: 30,000

Issue Ages: 0 – 85

No History Of Tobacco/Nicotine Use (Within Past 10 Years)

Not Available In Minnesota

For Those Free Of Health Issue

 

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Super Preferred

Whole Life Coverage

Minimum Face Amount: 5,000

Maximum Face Amount: 30,000

Issue Ages: 0 – 85

No History of Tobacco/Nicotine Use (Within Past 5 Years)

For Those Free Of Health Issues

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Preferred

Whole Life Coverage

Minimum Face Amount: 1,000

Maximum Face Amount: 20,000

Issue Ages: 0 – 85

No History of Tobacco/Nicotine Use (Within Past 12 Months)

For Those With Minor Health Issues

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Standard

Whole Life Coverage

Minimum Face Amount: 1,000

Maximum Face Amount: 20,000

Issue Ages: 0 – 85

No Restrictions For Tobacco/Nicotine Use

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If you have more extensive issues Like are currently in cancer treatment, or currently in the hospital you will have access to our limited Benefit Plans

Limited Benefit Plans

Our limited benefits plans are designed to offer coverage to clients with more significant health issues. These policies cannot be cancelled by Senior Life except for the non-payment of premiums. Up to $15,000 in coverage.

Modified

Whole Life Coverage

Minimum Face Amount: 1,000

Maximum Face Amount 15,000

Issue Ages: 0 – 85

No Restrictions For Tobacco/Nicotine Use

Benefit: Years 1-2 110% Of Premiums Paid; Year 3+ Full Face Amount

For Those With Moderate Health Conditions

 

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Easy Issue

Whole Life Coverage

Minimum Face Amount: 1,000

Maximum Face Amount 10,000

Issue Ages: 0 – 85

No Restrictions For Tobacco/Nicotine Use

Benefit: Years 1-3 110% Of Premiums Paid; Year 4+ Full Face Amount

For Those With Moderate Health Conditions

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Guaranteed Issue

Whole Life Coverage

Minimum Face Amount: 1,000

Maximum Face Amount: 10,000

Issue Ages: 0 – 85

No Restrictions For Tobacco/Nicotine Use

Benefit: Years 1-3 110% Of Premiums Paid; Year 4+ Full Face Amount

Guaranteed To Anyone 0 – 85, Regardless Of Health Conditions

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How It Works.

  • Fill Out Some Medical History
    This will determine how much coverage and at what price. Don’t worry, you won’t be declined.
  • We Suggest A Policy That Works For You
    Pricing and death benefit amounts are easily seen in the application process for ease of selection of what fits your need and budget
  • We Build A Policy On The Spot
    No need to speak to an agent. The guaranteed policy is built while you input your information securely and confidentially.

Need To View A Sample Policy?

Hear From Our Happy Clients.

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I was turned down from 3 companies because of my diabetes, thanks to Diabetic Direct, I was able to get coverage

Jim Simmons

I had basically given up on finding a life insurance policy for my mom, who has diabetes. Now we can have a bit of peace of mind!

Cindy Thomason

60 Years Old Female, TYPE 2 DIABETIC

Diabetes Shouldn’t Mean You Can’t Live a Healthy Life.
Get Coverage Today.

No need to talk to an agent. Get your life insurance policy without all the runaround.