Product education
Understand your options before you buy
We believe in honest education, not sales pressure. Here's a straight-talk breakdown of every product we offer — including which ones are genuinely hard to qualify for and the age ranges you need to fall within.
Eligibility at a glance
How our products compare on approval difficulty and age limits.
| Product | Qualifying | Age range | Medical exam | Cash value | |
|---|---|---|---|---|---|
Final Expense Recommended for most veterans | Easiest to qualify | Typically ages 45–85 | No medical exam on most plans | Learn more | |
Term Life | Hard to qualify | Generally issued ages 18–65 (shorter terms only past 60) | Medical exam and health underwriting usually required | Learn more | |
Whole Life | Moderate underwriting | Typically issued ages 0–85 | Sometimes required, depending on age and coverage amount | Learn more | |
IUL | Hardest to qualify | Generally issued ages 18–75 (best pricing under 60) | Full medical and financial underwriting typically required | Learn more |
Final Expense (Burial) Insurance
Easiest to qualifyThe most accessible coverage for veterans and seniors.
A smaller whole life policy built to cover funeral, burial, and end-of-life costs. Designed for fixed incomes and older applicants, with the easiest approval of any product we offer.
Read the full breakdownTerm Life Insurance
Hard to qualifyHigh coverage for a set period — but you have to qualify.
Term life provides a large death benefit for a fixed number of years (10, 20, or 30). It's the most affordable way to buy high coverage, but it's also significantly harder to qualify for than final expense.
Read the full breakdownWhole Life Insurance
Moderate underwritingPermanent coverage that builds guaranteed cash value.
Whole life is permanent insurance with a fixed premium and a cash-value component that grows over time. Underwriting is more involved than final expense but generally more forgiving than term or IUL.
Read the full breakdownIndexed Universal Life (IUL)
Hardest to qualifyFlexible permanent coverage tied to market index performance.
IUL is a sophisticated permanent policy whose cash value grows based on a market index, with flexible premiums. It offers powerful upside for the right candidate — but it is the hardest product we offer to qualify for.
Read the full breakdownNot sure which fits you?
A licensed specialist will walk you through your options honestly and help you find coverage you actually qualify for. No pressure, no obligation.
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