SecureLife is uniquely positioned to provide a blend of size, expertise, and personalized service unmatched in the industry. Our size enables us to command attention and accountability from the insurance carriers we partner with, ensuring our clients receive the most competitive pricing and prompt resolutions to any concerns. At the same time, we remain dedicated to offering personalized service tailored to each customer’s unique needs.

SecureLife exclusively provides quotes for level term life insurance coverage. These policies are available in 10, 15, 20, and 30-year terms, with premiums guaranteed for the duration of the selected term. Most policies are renewable up to age 95, although premiums may increase after the guaranteed period ends.

Life insurance isn’t just about planning for the unexpected—it’s about taking control of your future. Starting early has incredible advantages:

• It’s Affordable: Lock in lower rates while you’re young and healthy.
• It Protects What Matters Most: Your loved ones, your dreams, your legacy.
• It’s an Investment in You: Building financial security starts with smart choices today.

Whether you’re just starting your career, growing a family, or planning your next adventure, life insurance gives you the freedom to focus on what’s ahead, knowing you’re covered. Ready to see how easy it is? Get started now.

At SecureLife, we’re not just about policies—we’re about people. We’re committed to helping you make informed decisions that align with your goals and values. With access to trusted carriers, state-of-the-art tools, and a team that genuinely cares about your success, we’re here to guide you every step of the way. Let’s secure your future together.

Example: “A recent client needed urgent coverage after moving states. SecureLife’s proactive coordination with carriers ensured their policy was active in record time.”

SecureLife exclusively provides quotes for level term life insurance coverage. These policies are available in 10, 15, 20, and 30-year terms, with premiums guaranteed for the duration of the selected term. Most policies are renewable up to age 95, although premiums may increase after the guaranteed period ends. Many of our offerings are also convertible to permanent life insurance, giving you flexibility as your needs evolve. We present all relevant options transparently, empowering you to choose the coverage that best meets your needs and budget.

Example: “Level term policies are straightforward. Your premium remains constant for the duration, so there are no surprises. Plus, flexibility to convert to permanent coverage gives you peace of mind for future planning.”

Absolutely. All the carriers we represent are top-rated by AM Best, earning grades of A-, A, A+, or A++. These ratings indicate “excellent” or “superior” financial strength and a strong ability to meet policyholder obligations. While the carrier's name might not be immediately familiar, rest assured that we rigorously evaluate each company before recommending their products. Our goal is to ensure that you can confidently rely on the carriers we trust to provide dependable coverage for you and your family.

Example: “While the name may be new to you, these carriers are trusted industry leaders with decades of experience providing dependable coverage to families nationwide.”

The amount of life insurance you need depends on your unique financial situation and goals. We recommend considering the following factors to calculate the right coverage for you:

• Income Replacement: How much income would your family need to maintain their standard of living?
• Debt Repayment: Do you have outstanding debts that would need to be paid off?
• Education Costs: Are there any future education costs to consider for your children?
• Final Expenses: Will your loved ones need assistance with funeral costs?

SecureLife’s tools and expert team can help you assess these factors and determine a plan tailored to your needs.

Applying for life insurance through SecureLife is simple and quick. Here’s how:

1. Step 1: Fill out an online application form with your basic details.
2. Step 2: Choose the coverage amount and term length that fits your needs.
3. Step 3: Complete the medical questionnaire or take a health exam (if required).
4. Step 4: Submit your application and wait for approval.

Our team will guide you through the entire process to ensure you feel comfortable and confident. Start your application today!

Price is important, but it’s not the only factor to consider. With term life insurance, there are no cash values, dividends, or investment options to evaluate. Instead, focus on selecting a guaranteed level product from a financially stable carrier with strong ratings. Additionally, when comparing an existing policy to a new one, consider the number of years the premium is guaranteed into the future, as this often represents a significant value enhancement. We’re here to help you weigh these considerations and make an informed decision.

Example: “We don’t just focus on price—we ensure your policy provides the long-term protection your family needs, without sacrificing quality or reliability.”

Not always. Insurance carriers have specific underwriting guidelines that applicants must meet to qualify for the quoted rate class. These guidelines include factors such as medical history, height, weight, cholesterol levels, driving record, family history, and lifestyle considerations. While we strive to provide the most accurate and realistic quotes based on the information you share, adjustments may occur during the underwriting process. If your quoted rate changes, the carrier will explain the reasons and offer an alternative. You have the flexibility to accept or decline, with no obligation or cost if you choose not to proceed.

Example: “A client was initially quoted for a preferred rate but was later adjusted to standard due to cholesterol levels. They chose to proceed, knowing they were still receiving excellent coverage.”

For most term life insurance products, a basic paramedical exam is required. However, some policies waive this requirement based on the applicant’s age and coverage amount. The exam is simple and typically takes 15-20 minutes, including a blood and urine sample, blood pressure measurement, and a brief medical history review. While examiners are not licensed to discuss your application, our team is always available to answer your questions and address any concerns.

Example: “For a healthy applicant seeking a $250,000 policy, the medical exam was waived, saving time and effort during the application process.”

Our quoted premiums are based on an annual payment schedule. However, you can opt for monthly, quarterly, or semi-annual payments. Please note that monthly payments are facilitated through electronic fund transfer (EFT), and most carriers charge a nominal fee for payment frequencies other than annual. We’ll help you select a payment plan that aligns with your financial preferences.

Example: “A client chose quarterly payments for budget flexibility while maintaining uninterrupted coverage.”

We know your time is valuable. Once we receive your application and your paramedical exam is completed, approvals typically occur within 4-6 weeks. If scheduling your medical exam is delayed or medical records need to be requested from your doctor, it could take longer. If you have special timing needs, let us know—we’ll work with you to find the best solution. Remember, never cancel your current policy until your new one is fully approved and in your hands.

Example: “When a client needed coverage within 3 weeks, we worked with the carrier to prioritize their application and meet the deadline.”

No, it’s essential to keep your current coverage in place until your new policy is fully activated. Coverage isn’t in effect until you’re approved by the carrier, you’ve accepted the policy, and made the first payment. Also, replacing an existing policy comes with considerations like new contestability and suicide periods. If you’re discontinuing a cash value type policy, you could face surrender charges or tax consequences. Be sure to consult your financial advisor or legal counsel to understand all aspects before making changes.

We’ve designed our process to be simple and fast. Applying online helps speed things up, and including your email ensures we can quickly address any questions or requirements. To streamline things even more, be sure to:

1. Do: Schedule your paramedical exam promptly.
2. Do: Provide detailed explanations for any “yes” answers on your application.
3. Do: List the full name and address of all your physicians.

We’re here to help you every step of the way so that you can get the protection you need, hassle-free.

Conditional receipts allow you to have temporary coverage while your application is being reviewed—under certain conditions. If you select this option, coverage may begin when the application is completed and the first payment is made, but it’s important to read and understand the terms. Conditional coverage is typically limited in duration and amount, making it ideal for those who need immediate protection. Our team is happy to walk you through the details to make sure you’re fully informed.

Yes, absolutely. At SecureLife, we’re licensed to serve you wherever you are. Our advanced rating program identifies the best value for your specific location, ensuring you get trusted, reliable coverage tailored to your needs.

SecureLife offers flexible payment options to suit your preferences:

• Monthly Payments: Spread out your premiums over 12 months.
• Quarterly Payments: Pay your premium every 3 months.
• Annual Payments: Pay your premium once per year, often with a discount.

You can easily manage payments online or by setting up automatic withdrawals. Our goal is to make your life insurance as convenient as possible.

Yes! Life insurance is flexible, and SecureLife offers several ways to adjust your coverage as your needs change. You can:

• Increase Coverage: As your family grows or your financial responsibilities increase.
• Decrease Coverage: If your financial obligations decrease or you no longer need as much coverage.
• Convert to Permanent Insurance: If you want lifelong coverage, we offer conversion options.

We’re here to help you reassess your needs at any stage of life. Contact us for guidance on adjusting your policy.