Simplified Term Life Insurance

Simplified Term Life Insurance Apply by mail or online now for up to $100,000 in coverage. Choose from $10,000 to $100,000 Easy application with no medical exam…just health information Affordable rates

Provide your family with a lump sum cash payment to help with housing and other living expenses,
bills you may leave behind or even education costs.
Features and Benefits
Up to $100,000 in life insurance coverage
Valuable protection you can keep until age 80
No waiting period—coverage starts from the day your coverage takes effect
Supplement an existing policy or use as your main source of coverage
No Medical Exam or Lab Work...Just Health Information
There’s no physical examination or medical tests required…acceptance is based on your answers
to three health questions along with other information you provide or give us permission to obtain.
Find Your Affordable Monthly Rates Here
MenWomen
Age $10,000 $25,000 $50,000 $75,000 $100,000
30-34 7.64 13.10 22.21 27.77 33.33
35-39 8.79 15.98 27.96 35.27 42.58
40-44 10.39 19.98 35.96 45.71 55.46
45-49 12.39 24.98 45.96 58.75 71.54
50-54 14.96 31.40 58.79 75.50 92.21
55-59 19.19 41.98 79.96 103.13 126.29
60-64 26.79 60.98 117.96 152.71 187.46
65-69 35.18 81.94 159.88 207.42 254.96
70-74 48.79 115.98 227.96 296.27 364.58
75-79 83.88 203.71 403.42 525.23 647.04
Your initial premium is based on your age at issue. Premiums increase as you enter each new five-year age band and will always follow the rate chart above. Ages 75-79 are not eligible for issue; renewals only. Coverage ends at age 80. If relevant statements of age or facts are not accurate, New York Life will make a fair adjustment of premiums and/or insurance. Residents of FL: Victor Verastegui is a licensed Florida agent for service to Florida residents.
New York Life does not anticipate paying dividends for this product.

Common Questions

Q.
Will my benefit amount ever decrease?
A.
Benefits are guaranteed not to decrease until insurance ends regardless of changes in your age or health.
Premiums are arranged in five-year age bands and will increase as you enter each new band. See rate chart above.
Q.
How long can I keep this life insurance?
A.
This term insurance is yours to keep until you reach age 80. All we ask is that you pay your premiums on time and that your application contains no material misrepresentations about your medical history. This protection can be exchanged for permanent coverage without a medical exam any time until insurance ends at age 80. Rates will be based on your age at that time. Q.
Are there any exclusions or limitations?
A.
Benefits will not be paid for death from suicide in the first two years.*