Rates locked at enrollment — never increase
No medical exam · No health questions
Whole life · Death benefit paid tax-free
Your rate. Locked. Guaranteed.
Coverage for ages 55–70 that accepts every applicant, freezes your premium for life, and pays your benefit on day one — regardless of what the next blood panel says.
Premiums shown are illustrative averages. Your exact rate is based on age and selected coverage amount. No obligation — no credit check.
Four guarantees.
Zero exceptions.
Click each row to review the contractual language. A progress tracker shows how many you've confirmed.
Unlike traditional life insurance, Assured does not review your medical history, require a physical exam, or ask about pre-existing conditions. Your approval is contractually guaranteed the moment you submit your application. There is no waiting list, no second review, and no possibility of declination.
Lock My Rate NowApproval Rate
100.0%
Medical Exam Required
None
Health Questions
0
Average Approval Time
< 4 min
A portion of every premium contributes to a guaranteed cash value that grows tax-deferred and is accessible via policy loan or surrender. This is not a market-linked account — the growth schedule is printed in your contract on page one. Many policyholders use accumulated cash value to supplement retirement income or cover an unexpected medical bill without touching their savings.
Lock My Rate NowMarket Risk
None
Growth Type
Contractual
Access Method
Policy Loan
Tax Treatment
Tax-Deferred
The death benefit is contractually fixed at the coverage amount you select ($25,000–$50,000). It is paid directly to your named beneficiary within 7 business days, bypasses probate, and is received income-tax free under current IRS code. The benefit covers mortgage payoff, funeral expenses, tuition contributions, or any purpose your family designates — with no restrictions on use.
Lock My Rate NowBenefit Range
$25K–$50K
Payout Timeline
≤ 7 days
Tax to Beneficiary
$0
Probate Required
No
Your number, right now.
Move the slider to your current age and select a coverage amount. Every figure shown is contractual.
Coverage Amount
Rates shown are representative of the Assured guaranteed-issue whole life product for non-tobacco users. Tobacco rates available on application.
Your Locked Rate — Age 62 · $50,000 Coverage
= $406/month · $4,872/year
Death Benefit
$50,000
Rate Increases
Never
Medical Exam
Not Required
Cash Value
Guaranteed
Trusted by leaders.
Real policyholders. Real numbers. Real relief.
"I was declined twice in two years because of my A1C. Assured didn't ask. I applied at 11 p.m. on a Tuesday and had my policy document by Wednesday morning. The premium hasn't moved in three years."
Margaret Calloway
Retired HR Director
Columbus, OH
Age
64
Coverage
$50,000
Per Day
$14.02
"My husband's policy lapsed six months before he passed. I swore I'd never let that happen to my kids. Assured locked my rate the same week I called. No exam, no waiting period anxiety."
Dolores Fernández
Small Business Owner
San Antonio, TX
Age
61
Coverage
$35,000
Per Day
$9.34
"At 67, every traditional carrier wanted five years of medical records. Assured's dashboard showed me my exact number in four minutes. That's the transparency I needed to commit."
Raymond Okafor
Retired Logistics Manager
Atlanta, GA
Age
67
Coverage
$50,000
Per Day
$17.24
Ready to be next?
Your locked rate is waiting. No exam. No questions.