As much as we plan for major life events — marriage, our first home, children, retirement — we often overlook one of the most fundamental aspects of a solid financial strategy, and that's life insurance. Life insurance is crucial for helping to ensure that family needs are met in case of the death of a loved one during peak earning years.

Who Needs Life Insurance?

You need a life insurance policy if anyone depends on your income or stands to inherit a financial burden in the event of your death. The money your dependents will receive, "the death benefit," can help pay essential day-to-day expenses, such as the mortgage and medical bills, and help your family reach longer-term goals such as your children’s college education. Plus, life insurance can help ensure that your loved ones are not burdened with debt, or forced to sell assets to pay outstanding bills or taxes.

Rapid Decision Express

Web-based technology and underwriting innovation enable us to offer a fast, hassle-free purchase experience. With our Rapid Decision Express product and our state-of-the-art Rapid App application, approval and delivery process has been streamlined to allow you to obtain coverage in days, not months.

There are no exams, no tests, no waiting periods and processing delays. Issuance depends only on the answers to a few health questions. This rapid decision-making process is the work of experts who have the knowledge and experience to provide solutions that are both forward looking and practical. It's a benefit you won't likely get from any other insurer.

Rapid Decision Express is a level death benefit term life insurance product to age 95. Guaranteed level premium periods of 10, 15, 20 and 30 years are available. After the level premium period, rates increase each year through age 94.

Our Rapid Decision Express product also features optional riders such as Dependent Child, and Accidental Death.