Home Life Secure is an innovative whole life based insurance solution integrating cash benefits with advocacy and care navigation support services.  

Policy face amounts are available up to $150k with early distributions via lump sum or monthly payments for chronic conditions and terminal illness.    If an insured qualifies for an accelerated distribution, monthly premiums are waived.  In addition, HLS incorporates a 10% residual benefit for the beneficiary to cover final expenses.

Underwriting simply consists of “yes or no” responses to six health-related questions with an expected acceptance rate of 85% to 90%.  Home Life Secure is competitively priced, includes a 10% spousal discount, and premium costs are guaranteed not to increase for as long as the policy is held.