Our Plans

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.

Our Plans

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.

Accidental Death Insurance

Accidental Death Insurance
  • Policies available from $50,000 – $350,000 for ages 18 through 60
  • Approval within two business days
  • No medical exam
  • Renewable until age 80
  • Benefits are paid directly to your family or other beneficiaries in addition to other benefits you may have in place

  • Rated A- by A.M Financial Strength and A+ by the Better Business Bureau*.
  • Assurity is owned by and accountable to the people they insure, meaning they put their customers first, by design. 
  • Founded in 1980.

  • Rated A- by A.M Financial Strength and A+ by the Better Business Bureau*.
  • Assurity is owned by and accountable to the people they insure, meaning they put their customers first, by design. 
  • Founded in 1980.

Accidental Death Insurance

Accidental Death Insurance
  • Policies available from $50,000 – $350,000 for ages 18 through 60
  • Approval within two business days
  • No medical exam
  • Renewable until age 80
  • Benefits are paid directly to your family or other beneficiaries in addition to other benefits you may have in place
  • Rated A- by A.M. Financial Strength and A+ by the Better Business Bureau.*
  • Assurity is owned by and accountable to the people they insure, meaning they put their customers first, by design.
  • Founded in 1890.
  • Rated A- by A.M. Financial Strength and A+ by the Better Business Bureau.*
  • Assurity is owned by and accountable to the people they insure, meaning they put their customers first, by design.
  • Founded in 1890.

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
  • Rated A+ (Superior) by A.M. Financial Strength and A+ by the Better Business Bureau.
  • Legal & General Group Plc has been around since 1836 & is the 7th largest life insurer in the world
  • Large reach means Legal & General’s rates are extremely competitive for all levels of coverage.
  • Legal & General is the parent company of Banner Life Insurance Company and William Penn Life Insurance Company.
  • One of the world’s leading multinational financial services companies – headquartered in London, the firm has over $1.7 trillion in total assets under management.

OPTerm

Term Life
  • 10, 15, 20, 25, 30, 35 and 40-year term life insurance starting at $100,000 for ages 20 to 75 with no coverage cap
  • Renewable and convertible
  • Laddering possibilities to stair-step your coverage needs as time goes on
  • Legal & General’s 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. Financial Strength and A+ by the Better Business Bureau.
  • Legal & General Group Plc has been around since 1836 & is the 7th largest life insurer in the world
  • Large reach means Legal & General’s rates are extremely competitive for all levels of coverage.
  • Legal & General is the parent company of Banner Life Insurance Company and William Penn Life Insurance Company.
  • One of the world’s leading multinational financial services companies – headquartered in London, the firm has over $1.7 trillion in total assets under management.

OPTerm

Term Life
  • 10, 15, 20, 25, 30, 35 and 40-year term life insurance starting at $100,000 for ages 20 to 75 with no coverage cap
  • Renewable and convertible
  • Laddering possibilities to stair-step your coverage needs as time goes on
  • Legal & General’s policies are underwritten by their subsidiaries Banner Life Insurance Company (outside of NY) and William Penn Life Insurance Company (NY only).

Term Life

Term Life
  • 10, 15, 20-year term life insurance between $25,000 and $1 Million for ages 18 to 50 (up to $50,000 for ages 51 to 55)
  • No medical exam for policies under $750,000 for ages 18-60
  • Instant approval
  • Founded by Supreme Court Justice Louis Brandeis ( Learn More) with an A+ (Superior) rating by A.M. Financial Strength and A+ rating by the Better Business Bureau.*
  • Unlike many well-known insurance companies, SBLI is not a publicly-traded company but is owned by our 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.
  • Founded by Supreme Court Justice Louis Brandeis ( Learn More) with an A+ (Superior) rating by A.M. Financial Strength and A+ rating by the Better Business Bureau.*
  • Unlike many well-known insurance companies, SBLI is not a publicly-traded company but is owned by our 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.

Term Life

Term Life
  • 10, 15, 20-year term life insurance between $25,000 and $1 Million for ages 18 to 50 (up to $50,000 for ages 51 to 55)
  • No medical exam for policies under $750,000 for ages 18-60
  • Instant approval
  • 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.
  • Built on 80 years of experience, they provide straightforward insurance coverage designed to be affordable.
  • Protecting 20 million members with quality insurance products.

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

TruStage® Term Life Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc. 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 depository 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. Base Policy Numbers  with a face amount of 100,000 or below: ICC16-A10a-39, A10a-039-2016. Base Policy Numbers with a face amount of 101,000 or  above: ICC17-SIT-2, 2017-SIT-2. Corporate Headquarters, Madison, WI

TruStage®  Advantage Whole Life Insurance is issued by MEMBERS Life Insurance Company, part of  TruStage Financial Group, Inc. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any depository  institution. Base Policy Numbers: ICC20-WLMLIC, 2020-WLMLIC. Corporate Headquarters, Madison, WI

TruStage® Guaranteed Acceptance Whole Life insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any depository institution. Base Policy Numbers: ICC16-GAWL  & 2016-GAWL. Corporate Headquarters, Madison, WI 

  • 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.**
  • Built on 80 years of experience, they provide straightforward insurance coverage designed to be affordable.
  • Protecting 20 million members with quality insurance products.

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 50 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 is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc. 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 depository 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. Base Policy Numbers  with a face amount of 100,000 or below: ICC16-A10a-39, A10a-039-2016. Base Policy Numbers with a face amount of 101,000 or  above: ICC17-SIT-2, 2017-SIT-2. Corporate Headquarters, Madison, WI

TruStage®  Advantage Whole Life Insurance is issued by MEMBERS Life Insurance Company, part of  TruStage Financial Group, Inc. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any depository  institution. Base Policy Numbers: ICC20-WLMLIC, 2020-WLMLIC. Corporate Headquarters, Madison, WI

TruStage® Guaranteed Acceptance Whole Life insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any depository institution. Base Policy Numbers: ICC16-GAWL  & 2016-GAWL. Corporate Headquarters, Madison, WI 

GAWL, SIT1, SIT2, TAWL-4973619.1-0922-1024

*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.