Affordable, Convenient, Simple.

Protect your loved ones with Simplified Issue Single Premium Whole Life insurance. Simplified Issue provides life insurance quickly, without the wait. You can have coverage within days and with a single premium you have a “one and done” policy that offers lifetime protection with the ease of a single premium payment.

What’s more, you’ll also give back to your community, because 1891 Financial Life devotes a portion of your purchase to fund vital social, educational, and volunteer programs right in your own backyard. Based on your age you can get up to $100,000 in whole life coverage with an easy application process.

  • No medical exam.
  • No needles.
  • No worries.

 

Product Specs

Check out a brief overview of our Simplified Issue Single Premium Whole Life Product.
  • Single Premium Plan1
    • Issue Ages 25-80
    • Face Amount   $15,000 - $100,000
  • Cash value and loan options2
  • Premiums never increase
  • Guaranteed death benefit is payable to beneficiaries tax-free3
  • As an 1891 Life policyholder, receive member access to a host of soul-inspiring community events, programs, volunteer efforts, and service projects, plus benefits including grants, scholarships, money-saving prescription benefits, subscriptions, and much more
  • Optional Riders4
    • Living Benefits Rider: allows you to access a portion of your death benefit if you are diagnosed with a qualifying serious illness. Available with no additional premium. CLICK HERE for details.
    • Charitable Giving Benefit Rider (CGBR) allows a specified percentage of the death benefit to be paid to an eligible 501(c)(3) charity and 1891 Financial Life will match the amount paid to the charity, up to $2,500.

FAQs

What’s the difference between the cash value vs. the death benefit in my policy?

Cash value is the value that builds up in the policy over time, and it is also the amount that you as the policyholder are entitled to receive should you decide to surrender your policy. The actual amount that you receive will depend on whether you have any unpaid premiums or outstanding loans against the policy, in which case those amounts will first be deducted from the cash value before you’re paid the remaining amount. In contrast, the death benefit is the amount that is paid to your beneficiaries upon your death.

Does my policy have any loan privileges?

Single Premium Whole Life policy offers an accumulated cash value feature, so as the policyowner, you can borrow against the policy’s cash value if you need to. Just call our Home Office at 1-800-344-6273 for details or complete and return this form.

How do I make a death benefit claim?

When this happens, please call our Home Office at 1-800-344-6273 and ask for the Claims Department. Or if you prefer, you can complete and mail this form to the address provided.

DISCLOSURE

Subject to change. Products/features may not be available in all states.
113SPWL Plan Series.
2Loans against the policy will reduce the death benefit.
3Death benefit is typically tax-free, consult your tax advisor.
4Rules and restrictions apply to each rider; availability may vary. Not all riders are available in all states.