Whole Life Insurance That Protects Your Loved Ones — For Life
Whole Life Protect+ and Whole Life Perform+ — Permanent coverage starting at $10,000 with built-in living benefits and no medical exam required for qualifying applicants.
When it comes to covering final expenses — funeral costs, outstanding bills, and debts you leave behind — a whole life policy from Assurity gives your family reliable, permanent protection. Coverage starts at $10,000, with simplified underwriting for applicants through age 85, so many people can get covered without a medical exam.
Note: Assurity does not sell a product branded “final expense.” Whole Life Protect+ and Whole Life Perform+ are often used for final expense planning because minimum face amounts start at $10,000 and underwriting is simplified.
Where Assurity Fits Best
Assurity whole life is a great fit for:
- Seniors seeking affordable, permanent coverage for final expenses
- Parents and grandparents helping children or grandchildren build a strong financial start
- Clients who want permanent protection with built-in living benefits
- People who value lifelong coverage that builds cash value
- Anyone who wants premiums locked in and coverage that cannot be cancelled as long as premiums are paid
Plan Options
Whole Life Protect+
Best for: Maximizing the death benefit
- Designed to maximize the death benefit for the premium paid
- Strong choice when the priority is leaving money for funeral and final expenses
- Competitive pricing for seniors on a fixed income
- Built-in Accelerated Death Benefit Rider included at no extra cost
- Face amounts: $10,000 and above · Issue ages: 15 days through 85 years
Whole Life Perform+
Best for: Building cash value
- Designed for stronger cash value accumulation over time
- Ideal if you want to build a financial asset alongside your coverage
- Cash value can be accessed for goals like college, caregiving, or emergencies
- Eligible for dividends — Assurity has a long history of dividend payments
- Face amounts: $10,000 and above · Issue ages: 15 days through 85 years
Compare the plans — one example
Same applicant for both columns: female, age 68, non-tobacco, state = Nebraska, $25,000 face amount, monthly payments, pay-to-age-100. The numbers below are a rounded, educational sample only to show how Protect+ and Perform+ differ — not a quote, offer, or guarantee. Your actual premium and cash values come from Assurity’s illustration after underwriting.
| Illustrative comparison | Whole Life Protect+ | Whole Life Perform+ |
|---|---|---|
| What the plan emphasizes | More death benefit per premium dollar | Stronger cash value & dividend emphasis |
| Sample monthly premium (illustrative) | ~$92 | ~$115 |
| Death benefit (this example) | $25,000 | $25,000 |
| Illustrative cash value — end of year 10 (non-guaranteed) | ~$1,650 | ~$2,850 |
Takeaway: For the same face amount, Protect+ is structured so your premium is typically lower, while Perform+ costs more per month but is designed for higher early cash value. If your priority is the smallest monthly payment for a target death benefit, lean toward Protect+. If you can pay more each month and want the policy to build more accessible cash value over time, compare Perform+.
Both Plans Include
- Face amounts from $10,000 and above · Issue ages 15 days through 85 years
- Built-in Accelerated Death Benefit Rider (living benefits) at no extra cost
- Eligible for dividends
- Level death benefit through maturity at age 121
- Automatic transfer of ownership for juvenile policies at age 25
- No medical exam required for qualifying applicants
Product Highlights
Issue ages: 15 days through 85 years
Face amounts from $10,000 and above
Built-in living benefits for critical, chronic, and terminal illness — included at no extra cost
No medical exam for qualifying applicants (accelerated underwriting)
Accelerated underwriting limits
| Age band | Max face amount |
|---|---|
| 15 days – 17 years | $300,000 |
| 18 – 50 years | $1,000,000 |
| 51 – 65 years | $500,000 |
| 66 – 85 years | $100,000 |
Eligible for dividends
Level death benefit through maturity at age 121
Premiums never increase
Coverage cannot be cancelled as long as premiums are paid
Builds cash value you can borrow against
Automatic transfer of ownership for juvenile policies at age 25 — no forms required
Built-In Living Benefits
Form No. R I2422 — Living Benefits Rider. Included automatically at no additional cost.
Living Benefits — Included at No Extra Cost
Every Assurity whole life policy includes the Accelerated Death Benefit Rider automatically at no additional cost — so your policy can help during life, not only after.
Terminal Illness Benefit
If diagnosed with a terminal illness with life expectancy of 12 months or less (certified by a physician), you may access part of your death benefit early.
- Maximum acceleration: up to $1,000,000 combined
- At least $10,000 must remain in the policy
Chronic Illness Benefit
If certified unable to perform at least two Activities of Daily Living without substantial assistance for 90 consecutive days, you may access part of your benefit. Available in any 12-month period up to IRS per diem limits; the condition does not need to be permanent.
Critical Illness Benefit
If diagnosed with or undergoing a covered critical illness or procedure, you may access part of your benefit. Covered conditions include:
- Heart attack (myocardial infarction)
- Stroke
- Invasive cancer
- Coronary artery bypass surgery
- Sudden cardiac arrest
- Kidney (renal) failure
- Major organ transplant
- Traumatic brain injury
- Aortic aneurysm
- Severe burns
- Paralysis
- Coma
- Motor neuron disease
- Loss of sight
- And more — see policy materials for full definitions
Chronic and critical illness options available to applicants through issue age 70.
Flexible Payment Options
Choose a schedule that fits your budget:
Pay off your policy in 10 years. Coverage lasts a lifetime.
Pay off your policy in 20 years. Coverage lasts a lifetime.
Pay premiums until age 65. Coverage lasts a lifetime.
Lower monthly premiums spread over your lifetime.
About Assurity
Assurity Life Insurance Company has protected American families for over a century, founded in Lincoln, Nebraska. Assurity is a marketing name for the mutual holding company Assurity Group, Inc. — owned by policyholders, not outside shareholders — supporting long-term stability and policyholder interests.
Credibility highlights
- Over 100 years of experience protecting families
- Mutual structure — owned by policyholders, not shareholders
- Long history of reliable dividend payments
- Competitive pricing recognized across the industry
- Trust Consumer Flyer available in Spanish, Vietnamese, Korean, and Chinese
- Available in all states except California and New York
Optional Riders (qualifying applicants)
Available at additional cost where approved. Example list for Nebraska (and most states):
- Accidental Death Benefit Rider
- Children's Term Rider
- Critical Illness Rider
- Disability Waiver of Premium Rider
- Guaranteed Insurability Rider
- Level Term Rider
- Paid-up Additions Rider — Periodic Premium
- Paid-up Additions Rider — Single Premium
- Payor Benefit Rider
Rider availability varies by state. Not all riders are available in all states.
Ready to see if you qualify?
Coverage starts at $10,000 with no medical exam required for qualifying applicants. Julie can run a free quote in minutes — no obligation, no pressure.
Policy Form No. I L2418 and Rider Form Nos. R I1903, R I1904, R I1905, R I1906, R I1907, R I1908, R I1909, R I1910, R I1911, R I2422 and R I2502 are underwritten by Assurity Life Insurance Company, Lincoln, Nebraska.
Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.
Not approved in California or New York.