Our Plans

Explore the companies experts use to protect their loved ones.

Our Plans

Explore the companies experts use to protect their loved ones.

At Everyday Life, we’re unbought and unmanaged by any insurers in order to maintain our objectivity when providing customers with a policy recommendation that best matches their unique needs.

When you shop with us, our primary goal is to present you with a plan that is both the least expensive and most beneficial to your goals and not biased or limited to a single one-size-fits-all type of policy.

We only allow the very best insurance companies onto our platform. Our rigorous selection process is based on our deep insurance and financial planning expertise. These are the companies we use to protect our loved ones.

Explore our plans.

Founded in 1980, Assurity is owned by and accountable to the people they insure, meaning they put their customers first, by design. 

Rated A- by A.M Best and A+ by the Better Business Bureau*.

Accidental Death Insurance
Product
Accidental Death Insurance
Insurer
Assurity
Coverage Available
$50,000 - $350,000
Available for those
Ages 18 through 60
Medical Exam?
No
Time to Approval
Within 2 business days
Renewable?
Until age 80
How are benefits paid out?
Directly to your family or other beneficiaries, in addition to other benefits you may have in place

Since their founding in 1896, Fidelity Life has been providing life insurance to secure the financial future of countless families.

RAPIDecision® Life

Term Life
  • 10, 15, 20 and 30-year term life insurance between $50,000 and $2 Million for ages 18 to 65
  • No medical exam
  • 24 to 48-hour approval process
  • Renewable term up to age 95
  • Option to undergo medical underwriting within the first six months of the policy’s issue date to potentially qualify for an improved blend of policy benefits

RAPIDecision® Simplified Issue Final Expense Whole Life

Whole Life
  • Policies available from $5,000 – $35,000 for ages 50 through 85
  • Guaranteed level premiums and face amounts for the life of the policy
  • Cash value accumulation, RPU and automatic premium loan
  • Matures at age 121
  • No graded period provides customers with coverage immediately

RAPIDecision® Guaranteed Issue Graded Benefit Whole Life

Whole life
  • Policies available from $5,000 – $25,000 for ages 50 through 85
  • Guaranteed level premiums for the life of the policy
  • Cash value accumulation
  • Death Benefit is graded in years 1-3
  • Provides full coverage starting in year 4
  • Convertibility not applicable

RAPIDecision® Life

Term Life
  • 10, 15, 20 and 30-year term life insurance between $50,000 and $2 Million for ages 18 to 65
  • No medical exam
  • 24 to 48-hour approval process
  • Renewable term up to age 95
  • Option to undergo medical underwriting within the first six months of the policy’s issue date to potentially qualify for an improved blend of policy benefits

RAPIDecision® Simplified Issue Final Expense Whole Life

Whole Life
  • Policies available from $5,000 – $35,000 for ages 50 through 85
  • Guaranteed level premiums and face amounts for the life of the policy
  • Cash value accumulation, RPU and automatic premium loan
  • Matures at age 121
  • No graded period provides customers with coverage immediately

RAPIDecision® Guaranteed Issue Graded Benefit Whole Life

Whole life
  • Policies available from $5,000 – $25,000 for ages 50 through 85
  • Guaranteed level premiums for the life of the policy
  • Cash value accumulation
  • Death Benefit is graded in years 1-3
  • Provides full coverage starting in year 4
  • Convertibility not applicable

Active since 1836, Legal & General remains as the 7th largest insurer in the world. Headquartered in London, the firm has over $1.7 trillion in total assets under management. Additionally, their policies are underwritten by their subsidiaries Banner Life Insurance Company (outside of NY) and William Penn Life Insurance Company (NY only).

Rated A+ (Superior) by A.M. Best and A+ by the Better Business Bureau.

OPTerm
Product
Term Life Insurance
Insurer
Legal & General
Available Term Lengths
10, 15, 20, 25, 30, 35, and 40 years
Coverage Available
Starting at $100,000
Available for those
Ages 20 through 75
Time to Approval
Within 2 business days
Renewable?
Yes
Convertible?
Yes

Unlike many well-known insurance companies, SBLI is not a publicly-traded company but is owned by the policyholders. Because they are accountable to you, not Wall Street, they have the luxury of being able to think for the very long term and focus on keeping policy costs down.

Rated A+ (Superior) by A.M. Best and A+ rating by the Better Business Bureau.*

Term Life Insurance
Product
Term Life Insurance
Insurer
SBLI
Available Term Lengths
10, 15, and 20 years
Coverage Available
From $25,000 to $1,000,000 for those under 50 (up to $50,000 for those 51-55)
Available for those
Ages 18 through 55
Medical Exam?
None for policies under $750,000, ages 18-60
Instant Approval?
Yes

Built on 80 years of experience and protecting 20 million members, TruStage™ provides straightforward insurance coverage designed to be affordable.

TruStage™ policies are provided by MEMBERS Life Insurance Company and CMFG Life Insurance Company, insurance carriers rated A (Excellent) by A.M. Best* and A+ for financial strength by Strong S&P Global.**

TruStage™ Term Life Insurance

Term Life
  • Policies range from $5,000 to $300,000 for ages 18 to 69
  • No medical exam
  • Instant approval process
  • 30-day money-back guarantee
  • Renewable until age 80
  • Premium rates increase every five years when policyholders reach ages 25, 30, 35, 40, 45, 50, 55, 60, 65, 70 and 75

TruStage™ Advantage Whole Life Insurance

Whole Life
  • Policies available from $5,000 – $100,000 for ages 18 through 85
  • No medical exam
  • 30-day money-back guarantee
  • Rate is locked-in upfront and never increases
  • Permanent coverage that you can keep for life
  • Instant decision
  • Policies active 30 days after approval

TruStage™ Guaranteed Acceptance Whole Life Insurance

Whole life
  • Policies available from $2,000 – $20,000 for ages 45 through 80
  • No applicant will be turned down for any health reason
  • Cash benefits never decrease
  • A lifetime of coverage at a locked-in rate
  • Policy active immediately upon first payment
  • No medical exam
  • 30-day money-back guarantee

TruStage™ Term Life Insurance

Term Life
  • Policies range from $5,000 to $300,000 for ages 18 to 69
  • No medical exam
  • Instant approval process
  • 30-day money-back guarantee
  • Guaranteed renewable until age 80
  • Premium rates increase every five years when policyholders reach ages 25, 30, 35, 40, 45, 50, 55, 60, 65, 70 and 75

TruStage™ Advantage Whole Life Insurance

Whole Life
  • Policies available from $5,000 – $100,000 for ages 50 through 85
  • No medical exam
  • 30-day money-back guarantee
  • Rate is locked-in upfront and never increases
  • Permanent coverage that never expires
  • Instant decision
  • Policies active 30 days after approval

TruStage™ Guaranteed Acceptance Whole Life Insurance

Whole life
  • Policies available from $2,000 – $20,000 for ages 45 through 80
  • No applicant will be turned down for any reason
  • Cash benefits never decrease
  • Coverage never expires
  • Policy active immediately upon first payment
  • No medical exam
  • 30-day money-back guarantee

TruStageTM Simplified Issue Term Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705 Base Form Numbers: ICC16-A10a-039 & A10a-039-2016

TruStageTM Simplified Issue Term Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Rates may be higher due to tobacco use. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705 Base Form Numbers: ICC17-SIT-2 & 2017-SIT-2

TruStageTM Advantage Whole Life Insurance is issued by MEMBERS Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. Base Form Numbers: ICC20-WLMLIC & 2020-WLMLIC

TruStageTM Guaranteed Acceptance Whole Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Death benefit is limited the first 2 years of the policy and is limited to a return of 100% of premiums, plus 10%. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. Base Form Numbers: ICC16-GAWL & 2016-GAWL

TruStage™ Simplified Issue Term Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705 Base Form Numbers: ICC16-A10a-039 & A10a-039-2016

TruStage™ Simplified Issue Term Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Rates may be higher due to tobacco use. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705 Base Form Numbers: ICC17-SIT-2 & 2017-SIT-2

TruStage™ Advantage Whole Life Insurance is issued by MEMBERS Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. Base Form Numbers: ICC20-WLMLIC & 2020-WLMLIC

TruStage™ Guaranteed Acceptance Whole Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Death benefit is limited the first 2 years of the policy and is limited to a return of 100% of premiums, plus 10%. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. Base Form Numbers: ICC16-GAWL & 2016-GAWL

GAWL, SIT1, SIT2, TAWL-5854204.1-0823-0925

*A.M. Best ratings for insurers’ financial strength range from
A+(Superior) to F (In liquidation)

**Ratings: A.M. Best, Moody’s and S&P ratings apply to CMFG Life Insurance Company and its subsidiary, MEMBERS Life Insurance Company.

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