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Protection Plus Guaranteed Issue Term Life Insurance

Everyone is APPROVED for Protection Plus Life Insurance!

  • No Health Questions
  • No Exam
  • Ages 18 to 75
  • Death Benefit: $10,000 – $50,000
  • Everyone qualifies and is accepted – Guaranteed!

How Does it Work?

Life insurance is included as part of your membership in the Wellness Association of America (WAOA). One low monthly premium covers both your membership in WAOA and your life insurance. Life insurance offered by LifeShield National Insurance Company.

The program options include $10,000 to $50,000 of 5-year renewable and convertible term life insurance. Coverage is renewable to age 80 and includes many complimentary non-insurance benefits and services.

How Much Does it Cost?

Protection Plus Pricing is based on your current age (see chart below).

Protect PLUS Life pricing

Locate your age in the left column of the chart above and amount of coverage across the top:

  • Protection Plus 10 = $10,000 Death Benefit
  • Protection Plus 20 = $20,000 Death Benefit
  • Protection Plus 30 = $30,000 Death Benefit
  • Protection Plus 40 = $40,000 Death Benefit
  • Protection Plus 50 = $50,000 Death Benefit

Your rate (paid monthly) stays level for 5 years. At renewal, you will pay the rate based on your renewal age in the chart above.

A one-time $25 application fee is charged with your first premium.


How Does the Death Benefit Work?

Since there are no health questions, the life insurance death benefit is graded.

A Graded Death Benefit means that the full death benefit is paid out from day 1 if death is from an accident.

If death is not accidental, the following schedule applies:

Certificate Year 1120% of Life Insurance Portion of Premium Paid
Certificate Year 220% of the Death Benefit
Certificate Year 3The full death benefit is paid

This policy is not recommended for someone with less than a 12 month life expectancy.

Where is the Policy Available?

Protection PLUS Life is not available in all states. Members coverage subject to policy terms, conditions, and exclusions. See policy coverage certificate for details.

Protection Plus is currently available in:


What Non-Insurance Benefits are Included?

As a WAOA member, in addition to life insurance, you will have access to:

  • Free Wellness Assessment – to jump start your journey to a healthy lifestyle you have access to a free in-depth online Wellness Assessment
  • Free One-on-One Consultation – with our experienced renowned Naturopathic Doctor to recommend a treatment plan to improve the quality of your life naturally.
  • Weight Loss Program – our Naturopathic Doctor will recommend a weight loss program specialized just for you.
  • Lifetime Weight Management – as you reach your goal, our Naturopathic Doctor will suggest a weight management program to help you maintain your desired weight.
  • Natural Allergy Management – our Naturopathic Doctor will suggest how to manage your seasonal or year-long allergies with natural supplements.
  • Vitamins and Supplements – WAOA gives you 15% savings and access to high quality vitamins and supplements to create a healthier you with an affordable, simple, and practical approach.
  • Wellness Resources and Articles – receive weekly articles which provide advice on how to overcome the most common health problems such as type 2 diabetes, obesity, thyroid issues, and other metabolic issues.
  • Health and Wellness Card – our health and wellness card will provide you and your family access to savings on a wide range of health care products and services.
  • Prescription Advocacy Plan – will help you find the lowest RX price available. You and any member of your family can save up to 25% or more savings on your prescription by using a prescriptions savings card.

Are you a Life Insurance Agent?

We help other life insurance agents get contracted with Protection Plus. Click here to complete your contracting. Please reach out with any questions.