Coverage for End of Life Expenses
The most selfless thing you can do for your loved ones in case of a future without you. In the event of your death a tax free payout is provided to help cover expenses like, paying off debt and final expenses, groceries and family living expenses, funeral and death costs, paying mortgage or rent and a temporary replacement of income.
Its fast and simple to understand, just choose your coverage amount and enroll. As long as you pay the premium, you’re covered for the duration of the policy. You may renew your policy every 5 years up to age 80. For many people, term life insurance is a simple, affordable way to safeguard the financial health of loved ones if something happens.
Key Benefits
- No Medical Exam. Guaranteed Issue.
- Member Rates As Low As 25¢ / Day*
- Choose your coverage amount and enroll. As long as you pay the premium, you’re covered for the duration of the policy.
Summary of Coverages
- End of life expenses
- Burial, cremation
Who is this for?
- Individuals looking to cover end of life expenses
- Families without access to voluntary life insurance benefits
How It Pays
100% benefit amount if your death is the result of an accident, in any year. You may also convert this term life policy to a whole life policy up to age 70.
If a death occurs in the first year, the benefit payout is
120% of all premiums paid.
If a death occurs in the second year, the benefit payout is
20% of the full amount.
If a death occurs within or after the third year, the payout is the
full benefit amount.
- Get your price in under a minute
- No long forms
- No obligation to enroll
- Coverage may start as soon as tomorrow
Fast, secure, and takes about five minutes.
State Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
About: Lifeshield National Insurance Co.
Simple Term Life Insurance is underwritten by Lifeshield National Insurance Co. Since 2001, LifeShield National Insurance Co. has held a rating of B++ (Good) for financial strength by AM Best Company
Simple Term Life Insurance is marketed by Smart and Simple Insurance and administered by InsuranceTPA.com, a licensed third-party administrator serving all 50 states.
EXCLUSIONS: Death will not be considered accidental when death of the Certificate Holder results from any of the following causes: bodily or mental infirmity or bacterial infection (other than infection occurring simultaneously with and through a cut or wound caused by an accident), or any kind of disease even though the proximate cause of death was accidental bodily injury; voluntarily taking any kind of poison or drugs, or inhaling any kind of gas; medical or surgical treatment; intentional self-destruction while either sane or insane; committing or attempting to commit a felony, or participating in a riot; operating or riding in, or descending from, any kind of aircraft if the Certificate Holder was a pilot, officer, or member of the crew of such aircraft, was giving or receiving any kind of instruction or training, had any duties relating to such flight, or was flown for the purpose of descent from such aircraft in flight; service in the armed forces of any country at war; or war or insurrection, or any act attributable thereto.