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Simplified Issue Whole Life

A simple and flexible solution for covering your final expenses.

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Flexibility and Freedom

Here at BetterLife, we believe receiving permanent life insurance coverage doesn’t have to be complicated. With Simplified Issue Whole Life, you can qualify for permanent coverage with just a few yes/no health questions. Plus, choose to pay your premiums over your lifetime, all at once, or during a 10 or 20-year period. Premiums are established as issue age and are guaranteed to never increase. You’ll also gain access to our free BetterLife Member Benefits.

Affordable Premiums for the Coverage You Need

Simplified Issue Whole life features affordable premiums and a policy designed to cover final expenses.

No Medical Exam Needed

Receive permanent coverage without a medical exam. Just answer yes/no health questions to qualify.

Payment Flexibility

Choose from a variety of payment options, including level premiums for a lifetime, payment periods for 10 or 20 years, or pay for the policy with a single premium.

BetterLife Funeral Expense Trust

BetterLife’s Simplified Issue Whole Life can pair with our Funeral Expense Trust to allow maximum flexibility for you and your loved ones when paying your final expenses. It can also help ensure the death benefit proceeds are used for the correct purposes and provide additional benefits. Click on the button below to learn more.

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Simplified Issue Whole Life is ideal for:

Seniors and Final Expense Planning

Receive permanent coverage and level premiums with several simple yes/no health questions. Simplified Issue Whole Life is a great option for seniors and final expense planning with its easy application process.

Gifting to Children, Grandchildren, or Charity

Simplified Issue Whole Life is a great option for gifting to others due to its level premiums and simplified application process.

Our Simplified Issue Whole Life solution offers:



  • Policies available from $5,000 to $24,999
  • Issue ages range from 0-85, but depend upon the payment option you choose
  • Lifetime, permanent protection with a tax-free* death benefit



  • Premiums that are guaranteed to never increase for as long as you maintain your policy
  • Multiple options for payments; choose to purchase in a single payment or over the course of 10 years, 20 years, or your lifetime
  • Choose to pay monthly, quarterly, semi-annually, or annually (with the exception of Single Pay)


Options & Extra Benefits


Download Our Final Expense Solutions Info Sheet

BetterLife also offers Guaranteed Issue Whole Life and Graded Benefit Whole Life.

*According to tax laws IRC Section 101 & 7702. Cash surrenders and loans may generate an income tax liability. BetterLife, its affiliates, and its agents do not render tax or legal advice. Consult with your tax and legal advisors regarding your personal circumstances. **Dividends are not guaranteed. ***Subject to suicide provision. Guarantees are backed by the financial strength and claims-paying ability of BetterLife.


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