Simplified Whole Life

Simplified Issue Whole Life insurance offers affordable coverage to people aged 40 to 80 to help with final expenses like funeral costs, medical bills, and other debts. With this insurance, you can help protect your family from financial burdens. Applying online is simple - and you don't need a medical exam.

Simplified Issue Whole Life provides affordable coverage that can help your loved ones cover your final expenses.

Simplified Issue Whole Life pays a benefit to your beneficiaries who can use it to help cover final expenses. You can apply by phone or online.

No medical exam required
To apply, simply answer a few health questions. It's fast, easy and there are no medical exams.

Affordable coverage
Coverage levels range from $2,000 to $25,000, with rates starting at less than $7 per month.1

A lifetime of coverage
This whole life insurance is designed to last a lifetime, as long as you continue to make payments. And your cost for coverage will never go up, and your coverage level will never go down.

Guaranteed acceptance available
For those who don't qualify for Simplified Issue Whole Life, we also offer Guaranteed Acceptance Life Insurance for those between the ages 50 and 75. You cannot be denied coverage for health reasons.


1 The less than $7 premium is only applicable to a non-tobacco, 40 year-old woman receiving $2,000 worth of Simplified Issue Whole Life insurance.

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About Us

Simplified Issue Whole Life (SIWL) is not a funeral or burial policy. It is a level premium, non-participating permanent policy issued by C.M. Life Insurance Company, Enfield, CT 06082, a subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual). Policy Form ICC18P1700-RM 0218.

Guaranteed Acceptance Life Insurance (GALI) is not a funeral or burial policy. In the first two years, the insurance benefit is limited to a return of premium payments that have been paid plus an additional 10%. The insurance benefit for death caused by accident is 100%.

GALI is a level premium, non-participating permanent life insurance policy and is issued by C.M. Life Insurance Company. Policy Form ICC15-GIWL2112PCM.

These products are not available in all states. State variations may apply.

Agency services provided by LiveOps Agent Services, LLC; AR license #100108398 and/or by TX Insurance Solutions; AR license #0100104637.