Life Insurance Made Easier to Understand
Explore Term and Whole Life options with a licensed Benily Group agent. We'll help you understand the differences and review coverage for the people and responsibilities that matter to you.
Agent-guided options. No obligation to purchase. A request does not create coverage.
Protection for a Selected Period
Review term choices and the initial level-premium period with a licensed agent.
Permanent Protection
Understand permanent coverage and policy cash-value features before you decide.
Protection for a Selected Period
Term Life provides protection for a selected period. It may be worth considering when you want coverage during years when others depend on your income or you have financial responsibilities to protect.
Choose a term:
Assurity offers 10-, 15-, 20- and 30-year level-term options, subject to eligibility and availability.
Understand the premium period:
Premiums are level and guaranteed during the initial term period. If renewal is available afterward, premiums can increase.
Review future options:
Conversion to a permanent policy may be available within the policy's conversion period and according to its terms.
Know what to expect:
Some applicants may qualify for accelerated underwriting or a faster decision. Additional underwriting or medical requirements may be needed.
Permanent Protection, With Policy Cash-Value Features
Whole Life is permanent life insurance with a level death benefit and cash-value features under the policy's terms. Required premiums must be paid and the policy must remain in force. A licensed agent can explain the payment options and how the policy's benefits work.
Assurity offers different approaches within Whole Life. Your agent can help you compare them based on what you want the coverage to do.
Whole Life Protect+
An option that emphasizes death-benefit protection. Review its premiums, cash-value provisions and available features with your agent.
Whole Life Perform+
An option that emphasizes cash-value accumulation alongside life insurance protection. Review the policy and illustration with your agent; do not assume every illustrated value is guaranteed.
Premium-payment schedules, cash-value provisions, dividend options, policy loans and optional benefits should be reviewed under the selected policy's terms. Features and availability can vary.
Discuss Whole LifeCompare Term & Whole Life
Neither option is right for everyone. Start with the protection you need, your budget and how long you want the coverage to last.
- Coverage duration
- Term Life
Protection for a selected term; later renewal or conversion depends on policy provisions.
- Whole Life
Permanent protection under the policy's terms while the policy remains in force.
- Premium structure
- Term Life
Level and guaranteed during the initial term; renewal premiums can increase.
- Whole Life
Level, guaranteed premium rates according to the selected payment schedule and policy terms.
- Cash value
- Term Life
Designed for death-benefit protection rather than Whole Life-style cash-value accumulation.
- Whole Life
Includes cash-value features governed by the policy contract.
- Reasons to consider it
- Term Life
Protection during years with income, family or debt responsibilities.
- Whole Life
A longer-term protection need and interest in a policy's cash-value features.
- Agent guidance
- Term Life
Review the term, amount, eligibility and any conversion provisions.
- Whole Life
Review the amount, payment schedule, cash-value provisions and policy illustration.
Your agent can help you review the trade-offs. Availability, eligibility and policy terms determine the options you can apply for.
Help Me Compare OptionsA Guided Path From First Conversation to Application
Tell us what you want to protect.
Share a few basics through the request form. It starts a conversation; it is not an insurance application.
Review options with a licensed agent.
A Benily Group agent reviews your request and helps you compare available coverage and estimated premiums. Any estimate is subject to the formal application and underwriting.
Complete the formal application.
If you choose to proceed, your agent guides the next steps for Assurity's application and applicable underwriting. Additional information or medical requirements may be needed.
Confirm issuance and the effective date.
Coverage starts only after the required application and underwriting process, policy issuance and the effective date under the policy's terms. Sending a request or application does not by itself create coverage.
Life Insurance Questions, Answered in Plain Language
Term Life provides protection for a selected period. Whole Life provides permanent protection and cash-value features under the policy's terms. An agent can help you compare how long you need coverage, your budget and the features you want to understand.
Consider who depends on your income, your financial responsibilities and the coverage you already have. Share your goals with an agent so you can review an amount that fits your needs and budget. There is no single amount that is right for everyone.
Some applicants may qualify for accelerated underwriting. An exam or other medical requirements may still be needed, and Assurity may require additional information. A faster process or no-exam eligibility is not guaranteed.
Timing depends on the application, the information required and the underwriting review. Some applicants may receive a faster decision; others need additional review. Your agent can explain the next steps, but no decision or completion time is guaranteed.
Conversion to a permanent plan may be available during the conversion period specified in the policy. Deadlines and other provisions apply. Review them with your agent rather than assuming conversion will be available at any time.
Whole Life includes cash-value features governed by its policy terms. Your agent can review the illustration, explain which values are guaranteed and which are not, and discuss any applicable policy-loan provisions. Do not assume a dividend payment or projected value is guaranteed.
Children's coverage may be available through an optional rider or another eligible option. Availability, eligibility and policy terms apply. Ask your agent to review the choices rather than assuming children's coverage is automatically included.
Coverage begins only after the required formal application and underwriting process, policy issuance and the policy's effective date under its terms. A website request does not bind coverage, and an application alone is not a policy.
Start With a Conversation
Tell us a little about the protection you're considering. A licensed Benily Group representative will follow up to discuss options and next steps. This is a request for guidance, not an application for insurance.
Please do not include medical history, diagnoses, prescriptions, Social Security numbers, banking details or other sensitive information. Any information needed for a formal application belongs in the carrier's application process.
Understand Your Options Before You Decide
Explore Term and Whole Life with a licensed agent who can help you review the details and next steps.
Important Disclosures
This page provides general information and is not an insurance policy, an offer to bind insurance or a guarantee of coverage. Nothing on this website binds coverage. Completing a request form does not create coverage or replace a formal insurance application.
Eligibility and approval are subject to a formal application and applicable underwriting. Premiums, coverage amounts and policy terms depend on the selected product and underwriting. An estimate is not a final offer of insurance. Product availability, features, payment options, riders and rates may vary by state and policy. Optional riders may involve additional cost and requirements.
Some applicants may qualify for accelerated underwriting or a faster decision. Accelerated approval, a particular decision time and no-exam eligibility are not guaranteed. Assurity may require additional information, a medical exam or other medical requirements.
Cash values, dividend options, policy loans, conversion provisions and accelerated benefits are governed by the applicable policy and rider terms. Do not assume dividends, projected cash values or optional benefits are guaranteed. Review the policy and any applicable illustration with your agent. The issued policy contract and riders control if they differ from information on this website.
Benily Group LLC is the insurance agency, not the insurer. The Assurity products described here are underwritten by Assurity Life Insurance Company where available. Coverage begins only after the required application and underwriting process, policy issuance and the effective date under the policy's terms, including any required conditions.
Questions? Call +1 (980) 277-3350 or email Remono@Benilygroup.com.