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The Nation's Most Trusted Final Expense Agency

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What Seniorcare USA Can Offer You

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American Home Life Insurance

Peace of mind comes from knowing that death will not create a financial hardship for our loved ones. The GuideStar Plan provides funds to pay final expenses or cover medical bills from a last illness. Those funds can also create gifts for loved ones or a favorite charity. With a GuideStar Plan, you plan for the future. You make the decisions. You have peace of mind.
  • PREMIUMS ARE GUARANTEED - Your premiums will never increase regardless of your age or health. 
  • BENEFITS ARE GUARANTEED - Your death benefits are guaranteed never to decrease and will be paid to the beneficiary of your choice tax free. 
  • YOU CAN NOT BE CANCELLED - Your coverage is guaranteed not to be cancelled, except for non-payment of your premium. 
  • ACCELERATED BENEFIT RIDER(ABR) - Enables the owner to claim a portion of the policy’s death bene t prior to the actual death of the insured. (There is no cost for this rider) 
  • NURSING HOME CONFINEMENT - (Not Available in Florida) Enables the owner to claim a portion of the policy’s death bene t when permanently con ned to a qualified nursing home. (There is no cost for this rider) 
  • NO MEDICAL EXAM - Policy issue depends on your answer to the health questions in the application. 
  • 30 DAY FREE LOOK WITH THE RIGHT TO CANCEL - 100% refund 
OPTIONS (Additional Premium Required) 
  • ACCIDENTAL DEATH BENEFIT RIDER (ADB) - Pays an additional bene t in the event of your death as the direct result of an accident. Available ages 50-74 (age nearest).
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Americo Life Insurance

Death benefit up to $30,000
You decide how much protection you need and can comfortably afford. Choose a death benefit of $2,000 or up to $30,000.
Individual, Permanent Protection
It may be one of the safest kinds of protection you can buy! It’s safe because you own the policy. And as long as you pay your premiums, your coverage is guaranteed for life.
Your Rate Does Not Increase
The affordable monthly rate you start at will be the same monthly rate you’ll pay for the life of the policy. Your rate will not increase with age or changes in health.
Your Coverage Will Not Decrease or be Cancelled Because of Age or Health
This is permanent whole life protection. The amount of your death benefit does not decrease as you get older. And, as long as you make your premium payments when due, you cannot lose this valuable protection because you get older or because your health changes.
No Physical Exam Required
Your acceptance is based on the information you provide during the application process. Depending on the policy, you will only need to answer a few medical questions. There are no physical exams to take. Issuance of policy may depend upon answers to medical questions.
Protection From the Very First Day
You are protected from the very first day your policy goes into effect. And, if you qualify for Eagle Premier Level, your full death benefit is available as soon as your policy is issued.
If you don’t qualify for Eagle Premier Level, you may receive an Eagle Premier Guaranteed policy. With Eagle Premier Guaranteed, the death benefit is graded for the first three policy years.
Builds Cash Value
After your policy has been in force for a specified period of time, it builds cash value every year. This is your money that you can leave to grow or borrow to use as you see fit.
Choice of Beneficiary and Payment Date
Pick who you’d like as your beneficiary and what date you would like to make your premium payments.
Accidental Death Benefit Rider
With Eagle Premier Level, an Accidental Death Benefit Rider (Rider Series 2172) is included at no additional cost. This rider provides an additional benefit equal to the base death benefit if the insured dies as a result of an accidental bodily injury within 90 days of the injury. It will provide an additional payment of two times the base death benefit in the event the death is a result of accidental injury while riding as a fare-paying passenger in a Common Carrier.
Accidental Death Benefit Provision
An Accidental Death Benefit provision is included with Eagle Premier Guaranteed policies at no additional cost. With this extra protection, if death occurs as the result of accidental bodily injury in the first three years and within 90 days of the injury, the full death benefit is payable. Not available in all states.
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AIG Life Insurance

$10,000
AGE
50
60
70
80
Male
$51.92
$63.17
$98.18
$246.44
Female
$35.83
$50.02
$74.52
$175.42
$15,000
Male
$76.89
$93.75
$146.27
$368.66
Female
$52.74
$74.03
$110.78
$262.13
$20,000
Male
$101.85
$138.18
$215.24
$538.70
Female
$73.93
$110.15
$163.60
$383.77
$25,000
Male
$126.81
$172.22
$268.55
$672.87
Female
$91.91
$137.19
$204.00
$479.22
Innovative Custom GIWL Features
  • If you get sick with a qualifying chronic illness and need to access a portion of your policy benefits early, our Chronic Illness rider is included with your policy at no additional charge
  • If you become terminally ill and require access to your policy benefits, you are eligible to receive 50% of your death benefit thanks to the accelerated death benefit Terminal Illness Rider included in your policy. 
  • Each rider’s benefit can be used to help pay medical expenses, supplement income or for any other purpose. Remaining policy values will be paid to your beneficiaries at death.
Graded Death Benefit for GIWL
  • Rest assured, that if death occurs by accident, at any time, the full death benefit will be paid.
  •  If death occurs during the first two policy years and is not an accidental death, the benefit paid will be 110% of premiums paid to date.
  • In the event of death after two years, the graded death benefit no longer applies and full death benefit is paid.
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Baltimore Life Insurance

Silver Guard® I
Guaranteed Level Death Benefit
From the date of issue, your death benefit remains level and can never decrease providing there are no outstanding policy loans.
Additional Benefits
$1,000 Cash Draft Benefit 
Up to $1,000 of the policy’s death bene t can be made immediately available after the insured’s death. The cash draft form is automatically included when your policy is issued. Its purpose is to provide your beneficiary with income to cover necessities until the claim is settled. After the attending physician certifies the cash draft form, it can be taken to a local bank. The bank will call Baltimore Life for verification, and if the policy is still in force, we will authorize payment of the draft. This benefit is available from Baltimore Life free of charge and does not affect the premium. The death benefit will be reduced by the $1,000 cash draft amount. Policy must be in force for two years before this benefit is available.
Accidental Death Benefit Rider
By adding this rider, if death is caused by an accident, the policy pays a death benefit plus an additional amount equal to the face amount of your policy when it was issued. This benefit is only available on Silver Guard® I Life Pay. This rider is not available in all states. 
Premium Pay Options to Suit Your Needs, Guaranteed
Silver Guard can be issued with a premium schedule for the life of the policy (Life Pay) or on a limited payment basis with premiums payable for 10 years (10 Pay). For 10 Pay plans, at the end of the premium paying period, the policy is guaranteed paid up for life, no matter what happens to interest rates.
Silver Guard® II
Guaranteed Graded Death Benefit
For most individuals who cannot qualify for Silver Guard I, there is an alternative — Silver Guard II. When death is from natural causes, the same great benefit is available with Silver Guard II:
  • 25% of the policy face value in year one of coverage
  • 50% of the policy face value in year two of coverage
  • 100% of the policy face value in year three of coverage and thereafter
  • 100% of the policy face value if the death is caused by an accident from the very first day!
Level Premiums
Once your policy is issued, your premiums never increase, ever!
Cash Values
Over time, cash value may be available to help you if you have a financial emergency.
Non-Cancelable Insurance Coverage
As long as your premiums are paid and questions are truthfully answered at the time of the application, your policy cannot be cancelled.
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Liberty Bankers Life Insurance

A funeral is the third largest expense most families will face in their lifetime.** Aside from burial cost, there can be many additional expenses including medical, legal, unpaid debts and family travel.

The death of a spouse can cut your household income by as much as 50%. Plus, it can put a heavy burden of debt on a loved one.

The SIMPL Final Expense Plan is the affordable life insurance solution that helps provide peace of mind and security for you and your family! And, it helps assure you won’t be a burden to the ones you love.
SIMPL and MWL Product Highlights:
  • Guaranteed Death Benefit: Guaranteed for life not to decrease. Your benefit can be assigned to a funeral home.
  • Guaranteed Premiums: Guaranteed for life and will never increase. 
  • Guaranteed Cash Values: Guaranteed cash values that can be borrowed in case of an emergency. 
  • Guaranteed Non-Cancellable: Guaranteed your policy cannot be canceled by the company as long as you pay the premiums when due.
  • No Medical Exam Required to Apply
SIMPL Final Expense Plan
How does this coverage help?
  • It means CASH when it’s needed most! 
The SIMPL Final Expense Plan offers three options to help meet your financial needs. Availability of these options are based on your health status at the time of the application. 

SIMPL Preferred and Standard both offer a level death benefit from the date of issue.
  • SIMPL Preferred and Standard also offer, at no additional cost, accelerated death benefit provisions to help offset the expense of Terminal Illness (certified to have a life expectancy of less than 12 months) or Chronic Illness (certified by a physician), subject to the terms and conditions of the rider.* 
  • Upon a qualifying event, up to 80% of your death benefit may be paid directly to you. If you are fortunate enough to never use this feature, this full SIMPL death benefit will pass unreduced to your beneficiaries. 
For individuals who cannot qualify for a SIMPL policy, our Modified Whole Life Policy (MWL) may be an alternative. Modified Whole Life is a final expense life insurance policy issued for those applicants with more complex medical issues. 
This policy offers a modified death benefit as follows:
  • During the first 3 years: If death occurs as a result of an accident, the death benefit is 100% of the policy face amount. The non-accidental death benefit is equal to a refund of all premiums paid to date, plus 10% compounded. 
  • During the 4th year, the death benefit is 100%; followed by 105% in the 5th year; and 110% in the 6th year and thereafter.

Customize your Final Expense policy to help meet your family’s needs while fitting your budget.
Any SIMPL policy (Preferred or Standard) may include these following riders at your option. Please refer to the Rider for complete details of coverage.

Children’s Benefit Rider: Available for an additional premium on SIMPL Preferred and Standard only.

One Unit equals $5,000 term coverage to age 25 per child, maximum 4 units.

Convertible to Whole Life without evidence of insurability at any time for the same amount or for up to 5 times the amount at age 25 or marriage if earlier.

Grandchild Rider: Available for an additional premium on SIMPL Preferred and Standard only.

$7,500 term to Age 25: Convertible, without evidence of insurability, for up to 5 times the amount at Age 25 or marriage if earlier. In the event of the primary insured’s premature death, the covered grandchild can convert the coverage to 2 times the face amount.

Accidental Death and Dismemberment: Available for an additional premium on SIMPL Preferred and Standard only. It provides an additional death benefit if your death is a result from an accident. In addition, a benefit is provided if you should lose the use of arms, legs, or eyes as a result of an accident.
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Pioneer American Life Insurance

Whole Life Insurance Final Expense Policy
Immediate Death Benefit (Policy Form No. 9868) 100% of face amount paid immediately *
Return of Premium Death Benefit (Policy Form No. 3506) Return of premium plus 10% interest for 2 years
 100% of face amount paid after graded period. 100% paid in the event of accidental death, all years.

Ironclad Guarantees
AFFORDABLE PREMIUMS: Guaranteed to never increase regardless of changes to your age or health.
DEATH BENEFIT: Guaranteed never to decrease regardless of changes to your age or health. Benefits are paid to your beneficiary and are not subject to federal income tax.
NON-CANCELLABLE: Guaranteed never to be cancelled because of changes to your age or health as long as premiums are paid.
CASH VALUES: Guaranteed cash values accumulate and can be used for emergencies or other financial needs.

Features
  • No medical exam required. Your eligibility is based on the answers to the medical questions and a telephone interview.
  • Affordable premiums with coverage ranges designed to meet both your needs and your budget, along with convenient payment options.
  • An available Grandchild Rider, Policy Form No. 9579 or 9581, which can provide$10,000 of valuable life insurance protection on your grandchildren and great grandchildren.
  • An available Children’s Insurance Agreement, Policy Form No. 8375, which can provide up to $10,000 of valuable term insurance coverage on the lives of your children. Coverage is convertible up to age 25 to a permanent plan of insurance for up to 5 times the amount of coverage under this rider.
  • Nursing Home Waiver of Premium Rider, Policy Form No. 9984, waives premium payments during the Insured’s confinement in a qualified nursing home after 90 days of continuous confinement when the care is recommended by a physician after the rider is in effect. Available only on the Immediate Death Benefit Plan.
  • Optional Accidental Death Benefit Rider, Policy Form No. 7159, provides an additional amount equal to the face amount of the policy should the insured die as the result of an accident. Available up to age 80 and bene t remains in effect until age 100. Not available on Return of Premium Death Benefit Plan.
  • Terminal Illness Accelerated Benefit Rider, Policy Form No. 9473*.(Included for no additional cost) You can receive payment of up to 100% of the death benefit of your Independent American policy if diagnosed as terminally ill where life expectancy is 12 months or less (24 months in some states).
  • Accelerated Benefits Rider-Confined Care, Policy Form No. 9760 or 3156 in NC**.(Included for no additional cost). With this benefit if you are confined to a nursing home at least 30 days after the policy is issued you can receive a monthly benefit equal to 5.0% of the face amount per month. This rider is available on the Immediate Death Benefit Plan only. (Not available in all states)
  • Terminal Illness Accelerated Benefit Rider, Policy Form No. 9473. If you are diagnosed by a licensed physician with a life expectancy of 12 or less months (some states 24 months), you may receive up to 100% of the death benefit. The payment of the accelerated benefit will reduce the life insurance proceeds by the amount of the benefit paid. The cash value (if any), the amount available for loans (if any), and the premium (excluding policy fee) for the policy will decrease in proportion to the amount of benefit paid. Availability varies by state. See rider for complete details.
  • Accelerated Benefits Rider-Confined Care, Policy Form No. 9760 or 3156 in NC. If a licensed physician provides the company a written statement of the diagnosis of your medical condition and states that you are a full time permanent resident of a Nursing Home and will continue full time permanent residence in a Nursing Home until death, you may receive a fixed monthly payment equal to 5.0% of the policy face amount. The payment of the accelerated benefit will reduce the life insurance proceeds by the amount of the benefit paid. The cash value (if any), the amount available for loans (if any), and the premium for the policy (excluding policy fee) will decrease in proportion to the amount of the benefit paid. Availability varies by state. See the rider for complete details.

The acceleration-of-life-insurance benefits offered under these riders may or may not qualify for favorable tax treatment under the Internal Revenue Code of 1986. Whether such benefits qualify depends on factors such as your life expectancy at the time benefits are accelerated or whether you use the benefits to pay for necessary long term care expenses, such as nursing home care. If the acceleration-of-life-insurance benefits qualify for favorable tax treatment, the benefits will be excludable from your income and not subject to federal taxation. However, acceleration-of-life- insurance benefits payments may be taxable by your state. Tax laws relating to acceleration-of- life-insurance benefits are complex. You are advised to consult with a qualified tax advisor about circumstances under which you could receive acceleration-of-life-insurance benefits excludable from income under federal law. 
Receipt of acceleration-of-life-insurance benefits may affect your, your spouse’s or your family’s eligibility for public assistance programs such as medical assistance (Medicaid), Aid to Families with Dependent Children (AFDC), supplementary social security income (SSI), drug assistance or other public assistance programs. You are advised to consult with a qualified tax advisor and with social service agencies concerning how receipt of such a payment will affect your spouse’s or your family’s eligibility for public assistance.

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