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Which insurance options do I qualify for?

We want you to be sure you’re confident in your decision. To make things easier, we break down our plans to help you better understand your coverage options.

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Guaranteed Acceptance Life Insurance

This is permanent, whole life insurance with no health questions asked and no physicals required.

Living InsuranceTM

This two-part plan extends the value of your life insurance, so you can collect up to 50% of it early if you become seriously ill.

Permanent Whole Life Insurance

With our Permanent Whole Life plan your premium is locked in for life. Your rate will never go up.

Renewable Term Life Insurance

Renewable Term Life is guaranteed renewable up to age 90. Your rate is based on gender and age when coverage takes effect.

Age & State Availability
Ages 50-85 in most states Varies Based on Plan Ages 40 – 75. (Chronic Illness Rider is available to ages 40-64.) Available in all states except California, Montana, New York, and the Virgin Islands. Ages 18 – 75 (Chronic Illness Rider is available to ages 18 – 64.). Available in all states except California, Montana, New York, and the Virgin Islands. Ages 40 – 75. Available in all states except New York and the Virgin islands. Ages 18 – 75. Available in all states except Montana, New York, and the Virgin Islands.
Medical Exam Requirements
You cannot be turned down because of your health. We can guarantee acceptance because of a two-year limited benefit period. This is permanent, whole life insurance with no health questions asked and no physical to take. Varies Based on Plan Answers to the questions on the application will help us determine your eligibility. This is permanent, whole life insurance with no medical exam required. An underwriter may contact you by phone for more information. Answers to questions on the application will help us determine your eligibility. This is term life insurance with no medical exam required. An underwriter may contact you by phone for more information. Answers to the questions on the application will help us determine your eligibility. This is permanent, whole life insurance with no medical exam required. An underwriter may contact you by phone for more information. Answers to questions on the application will help us determine your eligibility. This is term life insurance with no medical exam required. An underwriter may contact you by phone for more information.
Length of Coverage
Lifetime Varies Based on Plan Lifetime Renewable to age 90 Lifetime Renewable to age 90
Maximum Life Insurance Benefit
Varies Varies Based on Plan $50,000 $50,000 $50,000 $50,000
Cash Value
Begins to build cash value after the first year of coverage which you can borrow against at a guaranteed rate. Varies Based on Plan The whole life insurance begins to build cash value after the first year of coverage which you can borrow against at a guaranteed rate Depending on how long you've had your coverage, cash value may be available to borrow against at a guaranteed interest rate. Begins to build cash value after the first year of coverage which you can borrow against at a guaranteed rate. Depending on how long you’ve had your coverage, cash value may be available to borrow against at a guaranteed interest rate.
Premium Rates
Your premium is locked in when coverage takes effect. Your rate will not change for the life of the policy. Varies Based on Plan Premium is based on gender and age when coverage takes effect. Rate will not change for the life of the policy. Initial premium is based on your gender and age when coverage takes effect. Rates increase as you enter a new age band. Premium is based on gender and age (in Montana, age only) when coverage takes effect. Rate will not change for the life of the policy. Initial premium is based on your gender and age when coverage takes effect. Rate increase as you enter a new age band.
Flexible Payment Options
Enjoy the flexibility to pay premiums monthly, quarterly, semi-annually, or annually. Varies Based on Plan Enjoy the flexibility to pay premiums monthly, quarterly, semi-annually, or annually. Enjoy the flexibility to pay premiums monthly, quarterly, semi-annually, or annually. Enjoy the flexibility to pay premiums monthly, quarterly, semi-annually, or annually. Enjoy the flexibility to pay premiums monthly, quarterly, semi-annually, or annually.

Colonial penn Experience

Personal Protection For Our Customers

Offering peace of mind for over 60 years

Try It On Period, 30 Days of Getting to Know Us

Lets you change or cancel your plan for a full refund if it doesn't feel quite right.

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