Added protection for your family.

Coverage that benefits your loved ones.

Download an application quickly and easily.

Finish the process in a few simple steps.

30 Day Try-It-On Period

Cancel your plan for a full refund.

Features of this Coverage

No Medical Exams

Answers to the questions on the application will help us determine your eligibility. This is permanent, whole life insurance with no medical exam required.

Locked-in Premium & Benefit Amount

Your premium is based on gender and age when coverage takes effect. Your rate will not change for the life of the policy. Benefit amounts are available in increments up to $25,000.

Flexible Payment Options

Enjoy the flexibility to pay premiums monthly, quarterly, semi-annually, or annually.

Cash Value

This plan begins to build cash value after the first year of coverage. You can borrow against it at a guaranteed rate.

Frequently Asked Questions

You don't have to get a physical now or ever. Your answers to a few health questions will help determine your eligibility.
No, once you're insured, your rate will never go up.
No. After your coverage begins, your benefit will not decrease as you grow older or if your health changes.
As long as you pay your premium, only you can cancel your coverage.
Your policy becomes effective on the day your application is approved, and you're covered in full from day one.
Yes. This plan will pay benefits directly to your beneficiary in addition to any other insurance you might have.
Count on a 30-Day Money Back Guarantee for peace of mind. If you decide this coverage isn't for you, just return your insurance documents within 30 days after receiving them for a complete refund, no questions asked.
We’ve built our reputation on satisfied customers. When you receive your insurance documents, you’ll also receive a customer service guide with a toll-free service hotline. This special toll-free number will put you directly in touch with a top-notch service team. Your guide will also include information on how to change your payment plan, change a beneficiary, or file a claim.
Your rates will never be lower than they are right now. The younger you are when your coverage starts, the lower your rates will be for life.
Simplified issue means that you don't have to complete a lengthy health questionnaire or get a physical to apply for coverage. Your answers to a few health questions will help us determine your eligibility.
If your coverage is in force and has a cash value, you may obtain a loan on it. The interest rate is 8% compounded annually. Any loan amount and interest that has not been repaid at the time of death is deducted from the death benefit. Please refer to your policy for more information or call our toll-free service number.
Yes! Customers can register at MyColonialPenn.com and see their coverage, premium, cash value and loan information. Premiums can be paid online and you can email us anytime with questions about your policy.