Everybody Gets Approved with Protection PLUS Guaranteed Term Life Insurance!

Protection PLUS Life (Guaranteed Issue Life Insurance) – the perfect solution to fit your Life Insurance needs.

Available to anyone age 18 – 75. Everyone qualifies and is accepted – Guaranteed!

Enroll online or give us a call at (888) 905-0333. All applications approved!

Your WAOA Guaranteed Issue Group Life Membership benefit package includes:

Association Membership*Wellness Plan of America
Non-Insured Benefits* Wellness Assessment
* Prescription Discount
* Naturopathic & Wellness Doctors
* Dental Care
* Weight Loss Programs
* Vision Care
* Weight Management
* Lab Testing
* Natural Allergy Management
* 24/7 Doctor
* Vitamins & Supplements
* Hearing Care
* Diabetic Care Services
* Daily Living Products
* Medical Bill Help
Insured Benefits* Guaranteed-Issue Term Life Underwritten by LifeShield National Insurance Company


Individuals can elect the membership option to fit their needs and budget. The program options available include $10,000 to $50,000 of 5-year Renewable and Convertible Modified Term Life. Affordable monthly costs are age banded with modified death benefits in years one and two.

Coverage is renewable to age 80 and includes many complimentary non-insured benefits and services. Term coverages are issued and insured by LifeShield National Insurance Company.

This is a 5 Year Renewable – Convertable – Modified Group Term policy issued to the Association. Monthly membership dues including renewal of covered individuals. Term Policy Certificate will be based on current age at policy certificate issue / renewal date.

Protection PLUS Life Insurance Graded Benefits

Accidental Death Pays the Full Death Benefit in All Years

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:


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

Protection PLUS Life Insurance 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 stays level for 5 years. At renewal, you will pay the rate based on your renewal age in the chart above.

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

Term life insurance no questions asked benefits
Along with your guaranteed life insurance, you will receive many benefits as an association member.
  • 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.

Wellness Association of America

Wellness America is a comprehensive membership designed to address your everyday health and wellness needs. This program was created to assist our members in making the necessary lifestyle changes critical to long-term health through free ongoing services in addition to member’s only savings on wellness benefits.

What makes the Wellness Association unique is that we provide access to our highly trained Wellness Doctors as you make the journey to good health and wellness…for your lifetime.

Enroll online or give us a call at (888) 905-0333. All applications approved!

​How Abrams Insurance Solutions Can Help

​As a group of independent life insurance agents, we work for you. Our goal is to find affordable life insurance protection for every family that needs it. And if it’s part of a program that looks to keep you healthy too? That’s a big bonus.

​We have families too. Should anything happen, we know the importance of caring for loved ones, even after someone passes away.

If you have any questions, give one of our friendly agents a call at (888) 905-0333 to see if Protection PLUS Life Insurance is right for your family. We are happy to help, and there is never any obligation to buy.

Are you a life insurance agent looking to help your clients access Protection PLUS Life Guaranteed Issue Life Insurance?

We are helping other agents get started with this program. You can help your hard-to-insure clients finally get coverage by completing your contracting here. Questions? Give us a call at 888-905-0333.