$59 a month.
That simple.
Our signature policy gives you permanent whole life insurance for $59 a month — no medical exam, no pushy agents, no confusing paperwork. This is not term insurance: your coverage never expires. Want more coverage? We have options for every budget.
- Apply online in minutes
- No medical exam — just simple health questions
- Coverage through a leading carrier
- Real humans when you want them
See what you qualify for
Takes about a minute. Free, with no obligation to buy.
Pick your monthly budget
Choose what you're comfortable paying each month. We'll run the numbers and show you exactly how much coverage that buys — usually within hours.
The higher your monthly budget, the larger the benefit your family receives. Pick a range and tell us who to send the numbers to — no obligation.
Get covered in three simple steps
We removed everything people hate about buying life insurance — the exams, the waiting, the pressure.
Answer a few questions
Tell us a little about yourself online — it takes about a minute. No medical exam, no doctor visits, no needles.
See your options
A licensed agent reviews your answers and shows you exactly what you qualify for, in plain English — no hidden fees, no surprises.
Activate your coverage
Choose the plan that fits your budget. Once approved, your policy arrives by mail or email — whichever you prefer.
A better way to buy life insurance
See how The $59 Policy compares to the traditional way of buying life insurance.
| The $59 Policy | Traditional life insurance | |
|---|---|---|
| Apply 100% online | ✓ | ✕ |
| No medical exam | ✓ | ✕ |
| Approval in days, not weeks | ✓ | ✕ |
| No pushy sales agents | ✓ | ✕ |
| Transparent, upfront pricing | ✓ | ✕ |
| Permanent coverage — never expires like term | ✓ | ✕ |
| Coverage from a leading carrier | ✓ | ✓ |
Not sure where to begin?
If you're new to life insurance, you're not alone. Here's what most people ask us first.
What does it cover?
Your policy pays your loved ones a cash benefit they can use for anything — funeral costs, medical bills, debts, or simply a gift left behind. The money is generally income-tax-free.
Do I really skip the medical exam?
Yes. You answer simple health questions instead — no physical, no bloodwork, no doctor visits. Some plans have no health questions at all.
How much does it cost?
Our signature policy is $59 a month — the coverage amount it provides depends on your age and health. Want a bigger benefit? Additional coverage levels are available at other price points. Request a quote to see exactly what your budget buys.
What if I've been declined before?
You still have options. Some plans cannot turn you down for health reasons. They cost a bit more and include a waiting period, but they ensure your family receives something.
Why choose The $59 Policy
Traditional life insurance can be confusing and intimidating — complicated paperwork, medical exams, hidden fees, lengthy processes, and pushy agents. We built The $59 Policy to remove every one of those hurdles.
For just $59 a month, our signature policy secures real peace of mind without the need for a medical exam — and if you want more coverage, we have plans at other price points to match your budget. The quote you see is the price you get. No hidden fees. No surprises.
- Simplicity
- Affordability
- Convenience
- Transparency
- No Hidden Fees
- Peace of Mind
What our customers say
Matt P.
Navigating this website for my life insurance application was a breeze! No pushy agents; just a straightforward process that catered perfectly to my need for simplicity. The transparency on costs and coverages is a major plus!
Sarah M.
In search of a hassle-free life insurance application, I found this gem. The user-friendly site eliminated the pushy sales experience. It not only met but exceeded my need for an easy process with honest information on costs and coverages.
Michael R.
This website is a lifesaver! The intuitive interface made my life insurance application seamless, without the interference of pushy sales agents. The upfront and honest details on costs and coverages perfectly aligned with my requirements.
Frequently asked questions
Who can apply?
Coverage is designed for adults of most ages, with plans especially suited to people 50 and over. Availability and coverage amounts may vary slightly by state. Request a quote or call us and we'll tell you exactly what you qualify for.
Is there really no medical exam?
Correct. These policies are "simplified issue" — you answer health questions on the application, but there's no physical exam, bloodwork, or doctor visit. Some plans are "guaranteed issue" with no health questions at all, though those typically include a 2–3 year waiting period before the full benefit applies.
Is this term life insurance?
No — and this is one of the most important things to understand. The $59 Policy is permanent whole life insurance. Term insurance covers you for a set number of years (10, 20, 30), then expires — often leaving you to shop for a new policy at a much higher premium, at an older age, in worse health. Our policies are permanent: your coverage never expires and your premium never increases, as long as premiums are paid. Once you're covered, you're covered for life.
Is everything really $59 a month?
Our signature policy is $59 a month — that's the plan we're named after. The coverage amount it provides is determined by your age, health profile, and state. If you'd like a larger benefit, we also offer coverage at other monthly price points, so you can choose the balance of premium and protection that fits your budget.
Will my rate go up as I get older?
No. Your premium is locked in at the age you buy, and it never increases. Your coverage also never expires as long as premiums are paid.
What can my family use the money for?
Anything. Most families use it for funeral and burial costs, final medical bills, or outstanding debts — but the benefit is paid in cash to your beneficiary, and how they use it is entirely up to them.
How fast does the benefit pay out?
Once a claim is filed with a death certificate, carriers typically pay beneficiaries within days to a few weeks. The benefit is generally income-tax-free.
What if I've been declined for life insurance before?
You still have options. Guaranteed-acceptance plans cannot turn you down for health reasons. They cost more and include a graded benefit period, but they ensure your family receives something.
Can I speak with a real person?
Absolutely — call us at 1-800-209-2177 and a live agent will walk you through everything. No pressure, no obligation.
Peace of mind for $59 a month.
A minute of your time now can spare your family a world of financial stress later. See what $59 a month gets you — or explore bigger coverage options. Free, no obligation.
GET MY FREE QUOTEPrefer to talk? Call 1-800-209-2177
Contact Us Today
Please do not hesitate to reach out to one of our live agents should you prefer to speak directly with someone. Our agents are eager to provide assistance and support.