Senior Life Insurance Company
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Immediate Benefit Plans

With one of our Immediate Benefit Whole Life Plans, your coverage is the full face amount from the moment the application is approved, the first premium is honored by the bank, and the policy issued. These policies cannot be cancelled by Senior Life except for the non-payment of premiums, and we have a variety of these plans for clients ranging from those with no health issues to those with moderate health issues. With an Immediate Benefit Plan, you have full coverage from day one.

Ultimate Preferred
  • Issue Ages: 50-75
  • Face Amounts:
    $10,000 to $30,000
  • For non-tobacco users
    (within past 10 years)
Super Preferred
  • Issue Ages: 40-80
  • Face Amounts:
    $5,000 to $30,000
  • For non-tobacco users
    (within past 5 years)
Preferred
  • Issue Ages: 0-80
  • Face Amounts:
    $1,000 to $20,000
  • For non-tobacco users
    (within past 12 months)
Standard
  • Issue Ages: 0-85
  • Face Amounts:
    $1,000 to $20,000 ages 0-80
    $1,000 to $10,000 ages 81-85
  • For non-tobacco and
    tobacco users
20 Pay Standard
  • Issue Ages: 0-60
  • Face Amounts:
    $1,000 to $20,000
  • For non-tobacco and
    tobacco users
Joint First-to-Die
  • Issue Ages: 40 to 85
  • Face Amounts:
    $1,000-$20,000 ages 40 to 80
    $1,000-$10,000 ages 81 to 85
  • For non-tobacco and
    tobacco users
Substandard
  • available only
    in MA and MN
    Issue Ages: 40-85
  • Face Amounts:
    $1,000 to $5,000
  • For non-tobacco and
    tobacco users

Insurance plans, riders, and features may not be available in all states; and terms and features may vary by plan and/or state. For more details on coverage, costs, and restrictions, contact us.

Senior Life policies are not funeral or burial contracts. This life insurance does not specifically cover funeral goods or services, and may not cover the entire cost of your funeral at the time of your death. The beneficiary of the life insurance policy may use the proceeds for any purpose, unless otherwise directed.

Senior Life is continually expanding, researching, and offering products to meet the different needs of individuals. As we continue in our efforts, we strive to stay on top of the insurance market by providing the newest, most valuable, and most attractive products for our customers. We are currently licensed in the following jurisdictions: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia, and the District of Columbia.