INSURANCE
Life Insurance and AD&D Suite
Tailored coverage options based on consumer needs.
COVERAGE
Accidental Death & Dismemberment (AD&D)
AD&D insurance provides coverage in the event of loss of life, limb, sight, speech, or hearing due to a covered accident.
This affinity-focused coverage gives our clients the opportunity to provide their consumers complimentary basic coverage in appreciation for loyalty…with the option to purchase additional coverage for greater financial security.
No Medical Exam Needed
Guaranteed acceptance – with no medical exam or health questions –
Supplemental Coverage is available at affordable group rates on an individual or family plan basis.
Increased Coverage Available
Consumer-paid supplemental coverage options are available for purchase on an individual or family plan level which can help add additional financial security.
Benefits Paid Directly To Insured For Covered Accidents
Lump-sum payments to insureds for covered loss of limbs, sight, hearing, and speech.
Benefits Paid Directly To Loved Ones Upon Death
Pays cash benefits to beneficiaries for covered fatal accidents.
Rewards Loyalty
Affinity-paid coverage lasts for the length of consumer business relationship.
INSURANCE
Guaranteed Issue Life Insurance
Life insurance designed to remove traditional barriers to coverage.
With guaranteed acceptance, no medical exams, and up to $50,000 in coverage, it offers a simple path to financial protection through trusted financial institutions. This coverage can also be used to supplement other forms of life insurance.
Guaranteed Acceptance
No health questions, no medical exams, and no review of medical records. Eligible consumers are guaranteed acceptance, making coverage accessible to more people.
Simple Enrollment
A streamlined enrollment process can be completed in minutes, making it easy to obtain coverage without the complexity often associated with life insurance.
Up to $50,000 in Coverage
Consumers can purchase up to $50,000 in life insurance, with benefits generally paid income-tax-free to beneficiaries to help support loved ones financially.
No Waiting or Benefit Reductions
Coverage includes no waiting periods and no age-based benefit reductions, helping consumers maintain dependable protection over time.
INSURANCE
Term Life Insurance
Life insurance can help preserve financial security for the long-term.
Applying for it is easy and more affordable than you might think in the privacy and comfort of your home.
Fast Approval
Most get approved in minutes with a no-obligation quote…just a few clicks away.
Locked-In Rates for Term Coverage
There are policies with affordable rates and coverage amounts available for every stage of life.
Flexible Coverage Options
Coverage can be tailored to different needs, with choices in both amount and duration to ensure the right fit.
INSURANCE
Whole Life Insurance
Easy life insurance experience exclusively for consumers age 45 and over – when coverage is most needed and hardest to get.
Designed to cover final expenses and leave loved ones a legacy, not a burden.
No Medical Exam
Guarantees acceptance regardless of health, with no physical exam or medical questions.
Lifetime Rates – No Increases
Provides locked-in rates for a lifetime of coverage – with no increased cost due to advancing age or health issues.
Full Benefits After Two Years
Pays full benefit amount for death due to illness or accident after initial two-year coverage for accidental death only.
Permanent Coverage with Cash Value
This whole life insurance cannot be canceled due to age or illness and builds cash values that policyholders can borrow.
View our other product suite offerings.
Our research[1] reveals that 76% of consumers who’ve purchased insurance through their bank or membership organization are open to buying more.
Offering the right products—personalized to their needs—can help you meet that demand.
Frequently Asked Questions
Term Life provides affordable coverage for a set period with a guaranteed payout if the insured dies during the term. Whole Graded Life offers lifelong coverage with a graded death benefit and cash value. AD&D insurance pays for a covered accidental death or serious injury and is typically very affordable.
Term Life is ideal for younger individuals and families needing and can help preserve long-term financial security if something were to happen. temporary, high-coverage protection. Whole Graded Life suits older adults or those with health concerns who want lifelong coverage and a cash value component. AD&D is best for individuals who want extra financial means in case of a covered accidental injury or death, and for those who cannot qualify medically or afford other insurance.
Offering multiple options can help ensures consumers can find coverage that fits their particular needs, enhances financial wellness, and strengthens their long-term relationship with your company.
Life insurance and AD&D helps consumers protect their finances during a time of hardship, whether by replacing lost income, covering final expenses, or providing security in case of accidental injuries or death.