Protection Plus Term Life Insurance [No Health Questions & No Exam]

Protection PLUS Life (Guaranteed Issue Life Insurance) is life insurance with no health questions and no exam.

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

Watch this video to learn all the details and how to apply for term life insurance with no health questions and guaranteed approval.

Enroll online or give us a call at (858) 703-6178. All applications approved!

What if I Have Already Been Declined for Life Insurance?

If you have already been declined 1, 2, 3 times or more; no problem! Previous declines are accepted without questions. If your health conditions improve, we will be happy to help you find a different or additional life insurance policy in the future.

What if I don’t have a Social Security number and need life insurance?

Protection Plus does not require a Social Security number on the application. Those people without a social security number will be approved for this policy.

Protection Plus is Term Life Insurance without Health Questions and without an Exam.

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.

How Does the Death Benefit Payout?

The full death benefit is paid out from day 1 if death is from an accident.

Because there are no health questions and everyone is approved, the death benefit is reduced in year 1 and 2, if death is not accidental.

The following table shows the payout for death that is not caused by an accident.

Policy YearDeath Benefit Payout
1120% of Life Insurance Premiums Paid
220% of Death Benefit
3Full Death Benefit
Accidental death pays the full death benefit in all years.

Where is Protection Plus Life Insurance Available?

Protection Plus is currently available in:

ALARAZCADCDEFLGAIAIDIL
INKSKYLAMIMOMSNCNDNENJ
NMNVOHOKPASCTNTXVAWVWY
Other states are pending approval

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. If you are in the same rate band when you renew, your rate will remain the same for an additional 5 year term.

Payment Type and Draft Date

Premiums are paid with a major credit card (Visa, MC, Amex or Discover). Debit cards will work if they have a Visa or MasterCard logo.

There is a one-time $25 application fee added to your first premium.

Your first premium and $25 application fee are charged on your enrollment date. Future premiums are charged on the 5th or 20th of the month based on the following table:

Enrollment DateEffective DateNext Draft Date
1st – 14th15th of this month5th
15th – 31st1st of next month20th

Wellness Association of America

This life insurance policy is offered through your membership with the Wellness Association of America (WAOA). There is no additional fee for the WAOA membership. The premiums listed in the table above cover both your membership and your life insurance.

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.

Your WAOA Guaranteed Issue Group Life Membership benefit package includes:

Association Membership*Wellness Plan of America
Non-Insurance 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
Insurance Benefits* Guaranteed-Issue Term Life Underwritten by LifeShield National Insurance Company
Your membership in WAOA includes much more than life insurance.

Enroll online or give us a call at (858) 703-6178. All applications approved!

What if I need more coverage?

If you need more than $50,000 of coverage, we do have other guaranteed issue whole life insurance options. However, you have to be at least 40 years old for one policy and at least 50 years old for 2 other options.

You can learn more about guaranteed issue whole life insurance options here. There are no problems combining multiple policies to get a higher total death benefit.

In addition, you can get accidental death insurance. This will work if you are 18 years and older. Just like this Protection Plus policy, accidental death insurance does not have any health questions and you will be approved.

Accidental death insurance pays a death benefit if death is caused by an accident. Go here to check prices and options for accidental death insurance.

​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 (858) 703-6178 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 858-703-6178.