Company Name: Affordable Health Insurance Inc.
Phone number: 847-437-1113
Website: www.affordablehealthinsuranceplan.com
Product name: Final Expense
Availability: AZ IL IN TX WI
Issue ages: 50-80
Death benefit: 1k-50k
Available riders:
Medical exam required No
Guaranteed issue? Yes
Additional features:

Company Name: Americo
Phone number: 800-231-0801, Ext. 8410
Website: www.americo.com
Product name: Ultra Protector Series
Availability: All States Except AL ME MS NY VT WA
Issue ages: 50-85
Death benefit: $2,000 – $30,000
Available riders: Children & Grandchildren Term Rider
Medical exam required? No
Guaranteed issue? Yes
Additional features: Three products to fit different situations: Ultra Protector I – Full death benefit Ultra Protector II – 2-year graded death benefit Ultra Protector III – 3-year graded death benefit2; guaranteed issue

Company Name: Baltimore Life Insurance Company
Phone number: 410-581-6637
Website: www.baltlife.com
Product name: Silver Guard
Availability: All States Except KY MT NY WA
Issue ages: Silver Guard I: 40-80, Silver Guard II: 40-75, Silver Guard III: 40-75
Death benefit: Minimum: $2,500; Maximum: Silver Guard I, ages 40-75 – $25,000, ages 76-80 – $15,000, full and immediate DB; Silver Guard II – $15,000, Graded DB; Silver Guard III – $10,000, Return of Premium
Available riders: (1) Accidental Death Benefit, (2) Cash Draft Benefit – Up to $1,000 available immediately following death of insured upon attending physician certification (no charge)
Medical exam required? No
Guaranteed issue? No
Additional features: Electronic application with secure immediate client approval completed over the telephone provided that appropriate underwriting requirements have been satisfied. Voice signature and no paperwork offered in most states, all done at point of sale.

Company Name: Bankers Life & Casualty
Phone number: 800-231-9150
Website: www.bankers.com
Product name: Senior Whole Life
Availability: All States Except NY
Issue ages: Level Benefit Ages 0-85
Death benefit: Maximum death benefit is $25,000
Available riders: Accidental Death Benefit. Accelerated Death Benefit. Reinstatement Rider
Medical exam required? No
Guaranteed issue? No
Additional features: Rates guaranteed for life. Loan privileges. Graded Death Benefit product also available.

Company Name: Colorado Bankers Life Insurance Company
Phone number: 800-367-7814
Website: www.cbl-life.com
Product name: Preferred Golden Protector
Availability: All States Except MN MT NJ NY ND VT WA WV
Issue ages: 15-85
Death benefit: $2,000 – $50,000
Available riders: Waiver of Premium for Nursing Home. Lifetime Accidental Death
Medical exam required? No
Guaranteed issue? No
Additional features: Level and Graded Benefit Plans Available

Company Name: Conseco Insurance Company
Phone number: 888-266-6002
Website: www.partnerwith.com
Product name: Conseco Providence
Availability: All States Except MA MN MT NY VT
Issue ages: Level Option: Ages 50-85; Graded option: Ages 50-80
Death benefit: Maximum death Benefit: $30,000
Available riders: Accelerated Death Benefit Rider. Accidental Death Benefit Rider
Medical exam required? No
Guaranteed issue? No
Additional features: Direct payment of benefits to named beneficiary. Guaranteed premiums that will never increase. Long-term, cash value buildup. Loan privileges available.

Company Name: EMC National Life Company
Phone number: 800-232-5818
Website: www.emcnl.com
Product name: IWL Innovator
Availability: All States Except NJ NY
Issue ages: 18-85
Death benefit: Starts at 1000, increases by 3% for 10 years and 2% thereafter
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features:

Company Name: Equitable Life & Casualty
Phone number: 800-352-5150
Website: www.equilife.com
Product name: Equicare Legacy III (1006)
Availability: All States Except AR CA DC FL GA HI MD MA MN MO NH NJ NY NC PA WA WV WI
Issue ages: 18-85
Death benefit: 2,000 – 100,000
Available riders: N/A
Medical exam required? No
Guaranteed issue? No
Additional features: If death occurs during the first 24 months, all of premiums, plus 10% interest, will be paid to your beneficiary. After 24 months the full benefit is payable. If the insured’s death is the result of an accident, the full benefit is payable from the first day of coverage. This is an endowment whole life insurance, which builds cash values. These cash values can be available as a loan against the policy. Benefits never decrease, premiums never increase. Living benefits available if a terminal illness strikes. Benefits generally pass to your beneficiary free of taxes. Special 48 hour claim service. Benefits paid in a single lump sum or other options are available. Endowment benefits paid when the insured reaches 100 and is still living.

Company Name: Equitable Life & Casualty
Phone number: 800-352-5150
Website: www.equilife.com
Product name: EquiLife Legacy I (1004)
Availability: All States Except AK CA DC FL GA HI MD MA MN NH NJ NY PA WA WI
Issue ages: 18-85
Death benefit: 2,000 – 100,000
Available riders: Accidental Death Benefit: Should the insured die as a result of an accident, the face amount will be doubled. The Face Amount will be tripled if the cause of death should be a result of: an accident while riding as a far-paying passenger on a regularly scheduled route in a common carrier vehicle, such as an airplane, train, ship, subway or public bus; or an act of war or terrorism occurring in the United States of America, or its territories. Nursing Home Waiver of Premium: Upon Our Receiving a signed written certification that the Insured has been a resident inpatient of a Nursing Home for at least 90 days We will waive the payment of future renewal premiums becoming due on this policy unitl the Insured is discharged. Renewal premiums on the policy will resume on the date the Insured is discharged from a Nursing Home
Medical exam required? Yes
Guaranteed issue? No
Additional features: This is a Whole life insurance policy which builds cash value that can be available as a loan against the policy. Full coverage from day one. Benefits never decrease, premiums never increase. Living benefits available if a terminal illness strikes. Benefits generally pass to your beneficiary tax free. Special 48 hour claim service. Benefits paid in single lump sum or other options are available. Premium payment plans of Single Pay, 10 year pay or continuous. Endowment benefits-paid when insured reaches 100 and is still living.

Company Name: Equitable Life & Casualty
Phone number: 800-352-5150
Website: www.equilife.com
Product name: EquiLife Legacy II (1005)
Availability: All States Except AK CA DC FL GA HI MD MA MN NH NJ NY NC PA WA WV WI
Issue ages: 18-85
Death benefit: 2,000 – 100,000
Available riders: N/A
Medical exam required? No
Guaranteed issue? No
Additional features: During the first 12 months, the benefit is 30% of the chosen benefit; from the 13th through the 24th month, the benefit is 70%; beginning with the 25th month, the full benefit is payable. If the insured’s cause of death is an accident, the full benefit is payable from the first day of coverage. Benefits never decrease, premiums never increase. Living benefits available if a terminal illness strikes. Benefits generally pass to your beneficiary free of taxes. Special 48 hour claim service. Benefits paid in a single lump sum or other options are available. An endowment Whole Life Insurance which builds cash values that can be available as loans against the policy. Endowment benefits are paid when the insured reaches 100 and is still living.

Company Name: First Life America Corporation
Phone number: 866-211-0811
Website: www.firstlifecorp.com
Product name: Golden Eagle Final Expense
Availability: IL KS KY NE ND OH OK TX
Issue ages: 50-85 Simplified, 50-80 Graded
Death benefit: $2,500 – $25,000 Simplified $2,000 – $10,000 Graded
Available riders: 100% Accelerated Living Benefit Rider. Nursing Home Confinement Rider. Both Riders included at no additional premium
Medical exam required? No
Guaranteed issue? No
Additional features:

Company Name: Forethought Life Insurance Company
Phone number: 800-648-0075
Website: www.forethought.com
Product name: ForeLife – Basic
Availability: All States Except AR MA MT NY WA
Issue ages: 40-80
Death benefit: 110% of premiums paid in years 1 & 2 Full face amount in years 3+
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features: Grandchildren’s benefit included in policy at no additional cost (may not be available in all states)

Company Name: Forethought Life Insurance Company
Phone number: 800-648-0075
Website: www.forethought.com
Product name: ForeLife – Preferred
Availability: All States Except NY WA
Issue ages: 40-80
Death benefit: Full face amount all years
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features: Supplemental benefits included in policy at no additional cost (may not be available in all states): Accidental Death, Accelerated Death, Grandchildren’s Benefit

Company Name: Forethought Life Insurance Company
Phone number: 800-648-0075
Website: www.forethought.com
Product name: ForeLife – Standard
Availability: All States Except MA MT NY NC WA
Issue ages: 40-80
Death benefit: 30% of face in year 1 70% of face in year 2 Full face amount in years 3+
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features: Supplemental benefits included in policy at no additional cost (may not be available in all states): Accidental Death, Accelerated Death, Grandchildren’s Benefit

Company Name: Forethought Life Insurance Company
Phone number: 800-648-0075
Website: www.forethought.com
Product name: ForeLife – Ultra
Availability: All States Except NY WA
Issue ages: 40-70
Death benefit: Full face amount all years
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features: Supplemental benefits included in policy at no additional cost (may not be available in all states): Accidental Death, Accelerated Death, Grandchildren’s Benefit

Company Name: FuneralTrusts.com
Phone number: 732-280-4026
Website: www.funeraltrusts.com
Product name: Irrevocable Funeral Trusts, Estate Planning Trust
Availability: All States Except ME NY
Issue ages: 0-99
Death benefit: maximum up to 12,500 (state dependent)
Available riders: None
Medical exam required? No
Guaranteed issue? Yes
Additional features: Medicaid exempt, no five year look back. IFTs offer safety, security, portability, flexibility and 24-48 hour benefit availability. Protection of assets for final expenses.

Company Name: GPM Life (Government Personnel Mutual Life Insurance Company)
Phone number: 800-938-4765
Website: www.gpmlife.com
Product name: SECURE-Mark 4: SIWL(form 58KSIW06), GDB (form 58GDB06) and MBWL(form 58LMBWL07).
Availability: All States Except NJ NY
Issue ages: Ages 20-85 for SIWL and GDB, MBWL is not available. Ages 50-85 MBWL. Not all products are available in all states.
Death benefit: Ages 20-49, Minimum $10,000, Maximum $35,000 (Ages 50-80, Minimum $3,000, Maximum $35,000 ($25,000 for MBWL) Ages 81-85, Minimum $3,000, Maximum $10,000
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features: In the event of accidental death during the first two policy years, on GDB and MBWL policies, the death benefit is the year three sum insured.

Company Name: Great American Supplemental Benefits Group family of companies
Phone number: 866-459-4272
Website: www.gasbinsurance.com
Product name: Final Expense/Senior Life/Graded Death Benefit
Availability: All States Except CT NY
Issue ages: Final Expense: 45-85*, Graded Death: 65-80* *varies per state
Death benefit: $5,000-$25,000
Available riders: Accidental Death Benefit Rider
Medical exam required? No
Guaranteed issue? Yes
Additional features: Guaranteed Renewable. Accumulate Cash Value. No increase in premiums

Company Name: Illinois Mutual
Phone number: 800-437-7355, Ext. 303
Website: www.illinoismutual.com
Product name: Level/Modified Death Benefit Whole Life
Availability: All States Except AK HI MT NJ NY
Issue ages: 45-85
Death benefit: Minimum: $5,000; Maximum: $15,000-$35,000; Modified: Return of Premium at 5% for non-accidental deaths first 2-years
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features:

Company Name: Lafayette Life Insurance Company
Phone number: 800 443 8793
Website: www.lafayettelife.com
Product name: Protector
Availability: All States Except AK NY
Issue ages: 40 – 85
Death benefit: Minimum $3,000 ($5,000 SC, $25,000 WA) Maximum $50,000 ages 40 – 80, $10,000 81 – 85
Available riders: Accelerated Benefit
Medical exam required? No
Guaranteed issue? No
Additional features: Simplified issue with application and phone interview. Whole life product.

Company Name: Lincoln Heritage Life Insurance Company
Phone number: 888-713-6020
Website: www.lhlic.com
Product name: Final Expense
Availability: All States Except NY WA
Issue ages: 0-85
Death benefit: up to $20,000
Available riders: Accident, Child, Grandchild
Medical exam required? No
Guaranteed issue? No
Additional features:

Company Name: Medico Insurance Company
Phone number: 800-228-6080
Website: www.gomedico.com
Product name: Final Expense Whole Life, Form MI-LA04 and Graded Benefit Final Expense Whole Life, Form MI-LA05
Availability: AR CO ID IA KY MO NE NV NM OK OR SC TN UT WV WY
Issue ages: 50 through 85
Death benefit: $2000.00 -$50,000.00
Available riders: N/A
Medical exam required? No
Guaranteed issue? No
Additional features: Accelerated benefit available if needed when confined to a nursing home, or if due to a terminal illness.

Company Name: National Guardian Life Insurance Company (NGL)
Phone number: 800-988-0826
Website: www.nglic.com
Product name: NGL Final Expense
Availability: All States Except NY
Issue ages: 0-99
Death benefit: Single Pay and Standard issue One Year Pay plans have an immediate full death benefit. Guaranteed issue One Year Pay plans have a limited death benefit in the first year.
Available riders: NA
Medical exam required? No
Guaranteed issue? Yes
Additional features: NGL Irrevocable Trusts: These are offered with no fees or cost to clients. These funds may be excluded from consideration for Medicaid and Supplemental Security Income (SSI) qualification and provide protection from creditors.

Company Name: OLD American Insurance Company
Phone number: 800-735-6242
Website: www.oaic.com
Product name: Peace of Mind. Budget Master Preferred. Budget Master Standard. Budget Master Qualified.
Availability: All States Except HI NH NY WA
Issue ages: 0-85. Some products 40-80.
Death benefit: 1,000- 100,000
Available riders: ADB W.P. BMIR-SECOND INSURED RIDER ACC. DB CHILDREN’S TERM RIDER W.P. NURSING HOME RIDER CHILDREN’S TERM
Medical exam required? No
Guaranteed issue? No
Additional features: POS @ POINT OF SALE

Company Name: Oxford Life Insurance Company
Phone number: 800-308-2318
Website: www.oxfordlife.com
Product name: Assurance Gold
Availability: All States Except AL LA ME MA MS MT NY VT WV
Issue ages: 50-85
Death benefit: $5,000-$25,000
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features: One of the lowest premiums in the Final Expense industry. Point of sale approval available with our simplified issue process. No APS, no Paramed, no underwriting follow-up.

Company Name: Royal Neighbors of America
Phone number: 800-770-4561, Option 1
Website: www.royalneighbors.org
Product name: Neighbors SIWL, Neighbors Graded Death Benefit
Availability: All States Except AL AK HI LA MA NH NY SC VT WA
Issue ages: 50-85 reduced maximum age in PA and MO
Death benefit: SIWL: 3,000 – 25,000 GDB: 3,000 – 10,000; grade is 30% yr 1, 70% yr 2, 100% therafter
Available riders: Accelerated Living Benefit, not approved in all states
Medical exam required? No
Guaranteed issue? No
Additional features: GDB: if death in the first 2 years is accidental, 100% is paid out instead of graded benefit (except in AR)

Company Name: Senior Market Sales, Inc.
Phone number: 800-786-5566, Ext. 5
Website: www.seniormarketsales.com
Product name: Baltimore Life Final Expense Plan
Availability: All States
Issue ages: 50-80
Death benefit: $2,500 – $25,000
Available riders: Yes
Medical exam required? No
Guaranteed issue? No
Additional features: Many

Company Name: Texas Life Insurance Co.
Phone number: 254-745-6312
Website: www.texaslife.com
Product name: PureLife
Availability: All States Except NJ NY
Issue ages: Employee: 17-70; spouse 17-60; children, grandchildren 15 days-18 years.
Death benefit: Varies by age; $10,000 to $250,000
Available riders: Employer selected: Accidental Death, Waiver of Premium Employee selected: Child term rider Included at no extra cost: Accelerated Death Benefit Due to Terminal Illness
Medical exam required? No
Guaranteed issue? No
Additional features:

Company Name: Underwriters Marketing Service Inc.
Phone number: 800-524-1774
Website: www.callums.com
Product name: Assurity Simplified Whole Life Portfolio
Availability: All States Except AR MN MO NC WV
Issue ages: Up to age 80
Death benefit: Up to $50,000 under age 65. Up to $25,000 for ages 66-80.
Available riders: Non-forfeiture options
Medical exam required? No
Guaranteed issue? No
Additional features: Non-participating Whole Life

Company Name: United of Omaha Life Insurance Company
Phone number: 402-351-5770
Website: www.mutualofomaha.com
Product name: Whole Life (Cross-Sell to United of Omaha Medicare Supplement)
Availability: AR IL IA KY MI MO NV OH OK SC TN TX VA WV
Issue ages: 64-85
Death benefit: Level death benefit from day one.
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features: Approval based on United of Omaha Medicare Supplement underwriting decision. Rates never increase with age. Benefits never decrease. Nontobacco user discount available. Builds cash value to borrow against. Benefits paid income tax free under current federal tax laws

Company Name: United of Omaha Life Insurance Company
Phone number: 402-351-5770
Website: www.mutualofomaha.com
Product name: Whole Life Express
Availability: All States Except NY
Issue ages: 0-80
Death benefit: Level death benefit.
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features: Cannot be cancelled for any reason as long as premiums are paid. Builds cash value to borrow against. Benefits paid to beneficiary are income tax free under current federal tax laws

Company Name: Unity Financial Life Insurance Company / Final Expense Division
Phone number: 800-836-7100
Website: www.unity-life.com
Product name: Companion
Availability: AZ AR CO CT DE DC GA ID IL IN KS KY ME MN MS MO NJ OH OK PA SC TN TX VA WV
Issue ages: 40-85 May vary by plan.
Death benefit: Up to $50,000 Varies by Plan
Available riders: NHR ADB Not available in all states
Medical exam required? No
Guaranteed issue? No
Additional features: Point of sale telephone interview with Unity underwriter provides immediate decision. Plans endow at age 100.

Company Name: Unity Mutual Life Insurance Company
Phone number: 800-836-7100
Website: www.unity-life.com
Product name: Horizon
Availability: AZ AR CA CO CT DE DC GA IN IA KY LA ME MD MA MI MN MO NV NH NY NC OH PA RI TN VA WV
Issue ages: Preferred 0 -85 Standard 35 – 80 Special Value 50 – 80
Death benefit: Varies by plan. Maximum Preferred $50,000
Available riders: ADB, Child Term, Grandchild Term
Medical exam required? No
Guaranteed issue? No
Additional features: Day one benefit on all three plans. Point of sale telephone interview with Unity Underwriter provides immediate medical decision. Monthly billing available. PAC 1/12th of annual premium. Face amount doubles on Special Value plan over 12 years. All plans endow at age 100.

Company Name: Universal American
Phone number: 800-538-1053 Ext. 8357
Website: www.universalamerican.com
Product name: Senior Tribute
Availability: All States Except AK HI MN MT RI WA WY
Issue ages: 45-85
Death benefit: Full death benefit and Modified death benefit
Available riders: Accidental Death benefit rider
Medical exam required? No
Guaranteed issue? No
Additional features: Senior Tribute: Whole Life insurance, simplified-issue policy designed to address final-expense needs; for ages 45 to 85. No medical exam required, premiums never increase and coverage never decreases. Two plans: full-death benefit and modified-death policy; accidental death benefit rider available.

Company Name: Workmen’s Benefit Fund of the USA
Phone number: 516-938-6060
Website: www.wbfusa.org
Product name: Final Expense Plan
Availability: FL IL IN MA MI NJ NY PA WI
Issue ages: 45-80
Death benefit: Issue Ages: Life Insurance, 45-64, $5,000 – $25,000; 65-74, $5,000 – $20,000; 75-80, $5,000 – $15,000
Available riders: None
Medical exam required? Yes
Guaranteed issue? No
Additional features: Terminates at age 70 $25.00 policy fee