Simplified Issue Whole Life

A simple and flexible solution for covering your final expenses.

Simply, Reliable Coverage for Life

At BetterLife, we believe securing permanent life insurance should be straightforward. With our Simplified Issue Whole Life plan, you can get lifelong coverage by answering just a few basic health questions—no medical exams required.

Your premiums are locked in at your issue age and guaranteed never to increase. Plus, as a BetterLife member, you’ll enjoy access to a suite of exclusive, no-cost benefits designed to support you and your loved ones.

Hassle-Free, Lifelong Protection

Get permanent life insurance coverage—no medical exam required. Just answer a few simple yes/no health questions and enjoy a fast, stress-free application process.

Affordable Coverage, Added Peace of Mind

Designed to help cover final expenses, this policy offers dependable protection at a budget-friendly rate—so you can help safeguard your loved ones without stretching your finances.

Support When It Matters Most

With the included Accelerated Death Benefit Rider, you can access up to 80% of your benefit if diagnosed with a terminal or permanent illness—at no extra cost. It’s flexibility that helps ease financial stress during life’s most difficult moments.*

BetterLife Funeral Expense Trust

BetterLife’s Simplified Issue Whole Life insurance can be seamlessly combined with our Funeral Expense Trust program—giving you and your loved ones greater flexibility and peace of mind when it matters most. This powerful pairing helps ensure your death benefit is used exactly as intended, covering final expenses efficiently while offering additional financial advantages.

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Simplified Issue Whole Life is a Great Option For:

Seniors & Final Expense Planning

Simplified Issue Whole Life offers permanent coverage with level premiums—no medical exam required. Seniors can apply easily by answering just a few yes/no health questions, making it a smart choice for final expense planning.

A Meaningful Gift for Loved Ones or Charity

Looking to leave a lasting legacy? This policy is a thoughtful way to provide financial support to children, grandchildren, or even a favorite cause—thanks to its affordable premiums and straightforward application process.

Our Simplified Issue Whole Life Solution Offers:

Our Simplified Issue Whole Life policy offers multiple payment options and a rate that won’t change over time. Enjoy an easy application process with simple yes or no medical questions. No medical exam or physician’s statement is required.

Lifetime, Permanent Protection: Receive a tax-free** death benefit that supports your loved ones financial security.
Accelerated Death Benefit Rider: Included at no additional cost, providing flexibility for policyholders with terminal or permanent illness.*
Stable Premiums: Premiums are guaranteed to never increase as long as you maintain your policy.
Guaranteed Cash Value: Build accessible cash value over time.***
Flexible Payment Options: Choose to pay monthly, quarterly, semi-annually, or annually.
Eligibility: Available to individuals aged 40-85.
Coverage Amounts: Policies available from $2,000 to $25,000.
Member Benefits: Free access to our exclusive BetterLife Member Benefits

* Subject to terms of rider **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. ***Accessing cash value decreases death benefit.

Here's what our members have to say:

Ed

BetterLife Member – 50 Years

"Being a member of a group that brings the community together multiple times a year to remember and celebrate their heritage. Also, to those community members from a different background, sharing our culture and inviting them to join us in the celebration. When not celebrating heritage, we also have those times where community people can buy and sell locally made products and volunteer their time to help those in need. It feels pretty good knowing that you are a member of a group that works as hard as they can to help as many as they can!"

Megan

Member from Sun Prairie, WI

"I have been a member with BetterLife for 35 years and have always felt like I am a part of the BetterLife family. When I have a question about my policy, I can count on receiving friendly, knowledgeable, and helpful service."

Barb

BetterLife Member – 1.5 Years

"This is an amazing company that is a nonprofit company that gives back to the community. They put on events to help support local businesses, they give scholarships to high school kids, if you are going thru tough times they are there to support you. What other life insurance company do you know that does all of this. The biggest part is that the people that run the company are at every event no matter where it is. They are so personable and easy to talk to. No matter what type if question you have someone will talk you through it."

Anna

BetterLife Member from Hettinger, SD

"BetterLife has been involved in my life for a very long time. My father passed away when I was 10, and his insurance policy kept us going during that time. I have my own policy, I was a national scholarship winner which helped me attend college and become the teacher I am today."

Sharon

Member Since 1968

"Being a member of this fraternal company gave me the ability to help others."

Marcia

Member from Verona, WI

"BetterLife has really taken the time to get to know me and my family. I like that they are part of my community and they care about the same things I do."

Elizabeth

Member for 72+ Years

"BetterLife provides a supportive group to meet with and enjoy socializing and providing community service."

Interested in some more information?

A BetterLife agent can help you.

Fill out this form and a BetterLife agent will reach out to you within 1-2 business days.