SIMPL Preferred and Standard are both simplified issue whole life policies with guaranteed premium and cash values, immediate full face amount and offered on a sex distinct, nicotine and non-nicotine use basis. $3,000 to $30,000, ages 18 to 80.

MWL is a modified whole life policy issued with blended rates. It offers a 100% accidental death benefit, or a return of premium plus 10% as a non-accidental death benefit, during the first 3 years. 100% death benefit year 4, 105% in year 5 and 110% year 6 and thereafter. $1,000 to $20,000 ages 40 to 80. (not available in all states) Policy approval is based on the Application and a Personal Telephone Interview, including MIB and RX check screening. You will receive an instant decision while on the phone!