Learn
About Our
Product
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
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
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
Standard
Whole Life Coverage
Minimum Face Amount: 1,000
Maximum Face Amount: 20,000
Issue Ages: 0 – 85
No Restrictions For Tobacco/Nicotine Use
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
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
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
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.
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
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!
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.