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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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 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
- 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
- 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
- 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
- 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™ 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
- 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
- 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
- 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™ 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.
