We offer whole life policies for anyone ages 0-85.

Senior Memorial offers two types of insurance plans:

Whole Life Insurance & Term Life Insurance.

WHOLE LIFE INSURANCE

Our whole life plans last your entire life. With most plans, coverage is available from day one.

  • ULTIMATE PREFERRED

    • Whole Life Coverage
    • Minimum Face Amount: $10,000
    • Maximum Face Amount: $30,000
    • Issue Ages: 0 – 85
    • No History of Tobacco/Nicotine Use (Within Past 10 Years)
    • For Those Free Of Health Issues

  • SUPER PREFERRED

    • Whole Life Coverage
    • Minimum Face Amount: $5,000
    • Maximum Face Amount: $30,000
    • Issue Ages: 0 – 85
    • No History of Tobacco/Nicotine Use (Within Past 5 Years)
    • For Those Free of Health Issues

  • PREFERRED

    • Whole Life Coverage
    • Minimum Face Amount: $1,000
    • Maximum Face Amount: $20,000
    • Issue Ages: 0 – 85
    • No History of Tobacco/Nicotine Use (Within Past 12 Months)
    • For Those With Minor Health Issues


  • PLATINUM PROTECTION

    • Whole Life Coverage
    • Minimum Face Amount: $5,000
    • Maximum Face Amount: $30,000
    • Issue Age: 55 – 85
    • No Restrictions For Tobacco/Nicotine Use
    • For Those With Minor Health Issues

  • STANDARD

    • Whole Life Coverage
    • Minimum Face Amount: $1,000
    • Maximum Face Amount: $20,000
    • Issue Ages: 0 – 85
    • No Restrictions For Tobacco/Nicotine Use

  • 20 PAY STANDARD

    • Whole Life Coverage
    • Minimum Face Amount: $1,000
    • Maximum Face Amount: $20,000
    • Issue Ages: 0 – 60
    • No Restrictions For Tobacco/Nicotine Us

  • MODIFIED

    • Whole Life Coverage
    • Minimum Face Amount: $1,000
    • Maximum Face Amount: $15,000
    • Issue Ages: 0 – 85
    • No Restrictions For Tobacco/Nicotine Use
    • Benefit Years 1-2: 110% Of Premiums Paid; Year 3+ Full Face Amount
    • For Those With Moderate Health Conditions

  • EASY ISSUE

    • Whole Life Coverage
    • Minimum Face Amount: $1,000
    • Maximum Face Amount: $10,000
    • Issue Ages: 0 – 85
    • No Restrictions For Tobacco/Nicotine Use
    • Benefit Years 1-3: 110% Of Premiums Paid; Year 4+ Full Face Amount
    • For Those With Significant Health Conditions

  • GUARANTEED ISSUE

    • Whole Life Coverage
    • Minimum Face Amount: $1,000
    • Maximum Face Amount: $10,000
    • Issue Ages: 0 – 85
    • No Restrictions For Tobacco/Nicotine Use
    • Benefit Years 1-3: 110% Of Premiums Paid; Year 4+ Full Face Amount
    • Guaranteed To Anyone 0 – 85, Regardless Of Health Conditions

Term Life Plans: Up to $50,000 in coverage

Only need 20 years of coverage? This is available with our term life insurance plans.

  • 20 YEAR TERM

    • Term Life Coverage
    • Minimum Face Amount: $10,000
    • Maximum Face Amount: $50,000
    • Issue Ages: 20 – 65
    • No Restrictions For Tobacco/Nicotine Use

  • 20 YEAR TERM: RETURN OF PREMIUM

    • Term Life Coverage
    • Face Amounts: $10,000, $20,000, $30,000, $40,000, And $50,000 Only
    • Issue Ages (Non-Tobacco Users): 20 – 60
    • Issue Ages (Tobacco Users Within Past 12 Months): 20 – 45
    • 100% Premiums Paid Back At The End Of The 20 Year Term

  • TERM TO AGE 90

    • Term Life Coverage
    • Face Amounts: $10,000, $20,000, $30,000, $40,000, and $50,000
    • Issue Ages: 18 – 80
    • No Restrictions For Tobacco/Nicotine Use

  • TERM TO AGE 100

    • Term Life Coverage
    • Minimum Face Amount: $5,000
    • Maximum Face Amount: $50,000
    • Issue Ages: 50 – 75
    • No History of Tobacco/Nicotine Use (Within Past 12 Months)

*Issuance of insurance is based on answers to health questions on the application.

Does not apply to term products.

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