Colonial Penn is best known for its television commercials promising “guaranteed acceptance” life insurance with no medical exams—an offer that appeals to many Americans over 50 looking for simple, accessible coverage. But while the message is clear and compelling, understanding how Colonial Penn’s plans actually work requires a closer look. In reality, Colonial Penn’s guaranteed […] Read more

Why We Created This Comprehensive Guide As licensed insurance professionals, we’ve spent countless hours analyzing over 50 no-exam life insurance companies to save you weeks of research. This guide demonstrates our expertise through detailed analysis, but choosing the right policy depends on your unique situation. How to use this guide: Jump directly to companies that […] Read more

Arkansas Mortality Rates 2025 Comprehensive Health Report Population 3.09M 34th most populous Life Expectancy 72.5 years 7th lowest nationally Health Ranking 48th 4th consecutive year Annual Deaths 33-35K 1,097 per 100,000 Leading Causes of Death Updated data from 2022-2024 showing Arkansas’s mortality statistics and national rankings: Cause of Death Deaths/Year Per 100,000 National Rank Heart […] Read more

When seniors and individuals with health conditions need life insurance coverage, traditional policies often prove inaccessible due to medical underwriting requirements. Senior Life Insurance Company has operated in this specialized market since 1970, focusing exclusively on simplified-issue and guaranteed-issue policies across nearly 40 states. For families evaluating final expense insurance options, understanding how Senior Life’s […] Read more

Security National Life Insurance Company operates quietly in the shadow of industry giants, serving policyholders primarily across the Mountain West and select markets since 1965. While this Salt Lake City-based insurer may lack the household recognition of companies like Northwestern Mutual or New York Life, many families have discovered Security National through targeted marketing efforts […] Read more

✓ Funeral & Burial Costs — What Your Family Should Know Complete Guide to End-of-Life Expenses and How Life Insurance Covers Them Funeral and burial costs are one of the largest unexpected expenses families face. This guide breaks down exactly what you’ll pay, where the costs go, regional price differences, and how life insurance and […] Read more

⏱️ How Long Does Nicotine Really Stay? The Timeline That Actually Matters for Insurance Cotinine—nicotine’s metabolite—clears your system in 2-4 weeks. But here’s what most people don’t realize: insurers have multiple ways to verify your tobacco history beyond just testing your urine. Understanding what they check and how different companies evaluate you is the real […] Read more

For many, choosing to purchase a life insurance policy probably seems pretty easy and straightforward, until they actually begin the process and learn that there’s a lot more to buying life insurance than there is with other types of insurance products.  That’s when the complexities of the life insurance industry can begin to feel a […] Read more

Kemper Life Insurance occupies a unique position in the life insurance landscape – a company with nearly a century of experience that has deliberately chosen to focus almost exclusively on guaranteed issue and simplified underwriting rather than competing in the traditional fully-underwritten market. This strategic choice creates both compelling opportunities and significant limitations that potential […] Read more