Planning Ahead can be Easy

Simplified Issue Whole Life Insurance provides life insurance quickly, without the wait. You can have coverage within days. You pay your cash value whole life policy with level premiums.

Use the policy’s death benefit to leave heirs a generous gift or make meaningful donations to your favorite charities. 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 Whole Life1 product.
  • Issue Ages & Face Amount
    • 18-50   $15,000 - $100,000
    • 51-64   $15,000 - $50,000
    • 65–75  $15,000 - $25,000
  • Cash value and loan options2
  • Premiums never increase
  • Guaranteed death benefit is payable to beneficiaries tax-free3
  • As an 1891 Financial 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.


Why would I purchase a Simplified Issue Whole Life policy if I don’t have any children or other dependents?

Remember, life insurance can be used to offer protection and security in a variety of scenarios. If you don’t have any children, other dependents, or other family heirs, you can make a real difference by leaving a legacy gift for your favorite charitable organization or worthy cause after your death. As the policyholder, you also can enjoy a living benefit of your policy if you wish, by accessing the cash value that accumulates over time in your policy.

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.

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.


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.