CoverMe® Easy Issue Life Insurance
Get essential life insurance in place quickly. Apply by answering just two medical questions. It's easy to understand, easy to apply for and easy to get.
How much insurance can I get?
- $50,000 or $75,000
Why should I apply?
- Two simple medical questions
- No premium increases during each 10-year term
- Renew up to age 85 with no medical questions
Am I eligible?
- Yes, if you are age 18 to 70
CoverMe® Term Life Insurance
Get a solid foundation of term life insurance at an affordable price. Pay only for the coverage you need.
How much insurance can I get?
- $100,000 to $1,000,000
Why should I apply?
- Low cost makes it easy to top up your existing coverage
- No premium increases during each 10-year term
- Renew up to age 85 with no medical questions
Am I eligible?
- Yes, if you are age 18 to 70
FollowMe™ Life Insurance
Stay protected when you lose your group life insurance coverage at work. Cover yourself and your spouse and get the coverage your family needs.
How much insurance can I get?
- $25,000 to $200,000*
Why should I apply?
- No medical questions
- Keep your policy to age 80
- You stay protected and own your coverage
Am I eligible?
- Yes, if you are age 18 to 69 and apply within 60 days of the date your group life coverage ends
CoverMe® Guaranteed Issue Life Insurance
Get affordable life insurance with any medical history. Your acceptance is guaranteed with no medical questions and no medical exam.
How much insurance can I get?
- $5,000 to $25,000
Why should I apply?
- No medical questions
- No premium increases – ever
- Keep your policy as long as you want
Am I eligible?
- Yes, if you are age 40 to 75
Top 5 questions about life insurance
Term life insurance provides coverage for a specific period of time and then could renew. Permanent life insurance provides coverage for life.
A death benefit is the amount paid to your beneficiary if you die while your life insurance plan is in effect. A living benefit is the amount paid to you when you meet certain conditions. For example, you can receive part of your CoverMe Life Insurance death benefit while you are alive if you are diagnosed with a terminal illness with less than 12 months to live.
There are two main ways to help your family pay off your mortgage if you pass away: mortgage life insurance and term life insurance.
Mortgage life insurance typically pays the death benefit to the lender. The coverage amount declines as your mortgage balance decreases, but your premiums stay the same. If you switch mortgage providers, you generally have to reapply for mortgage life insurance.
Term life insurance pays the death benefit to your beneficiary, not the lender, and your beneficiary can decide how to spend the money. The coverage amount and your premiums stay the same during your plan's term. You own your coverage so you can keep it if you switch mortgage providers.
Term life insurance premiums stay the same during your plan's term. They increase when your plan renews at the end of a term.
You can generally keep renewing term life insurance without medical questions until you reach the maximum age set for your plan.
Discover more
Life insurance explained
The basics of life insurance - what you need and what to consider
When to review your life insurance
5 life events that mean it's time to reevaluate your coverage. See tips
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* Your maximum coverage equals the amount you had through your work plan.