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Easy Choice Simplified Issue Whole Life Insurance

Get permanent protection for your loved ones quickly and easily.
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Why Choose Easy Choice Whole Life?

Easy Choice is a quick and easy way to help protect loved ones with permanent life insurance. No medical exam or blood test is required.

Benefits of Simplified Issue Whole Life Insurance

You’ll only need to answer a few health and lifestyle questions, and if approved, you’ll be covered by Easy Choice Simplified Issue Whole Life.

  • Guaranteed death benefit up to $49,9991 to help protect loved ones
  • Cash value grows, income tax deferred, and can be accessed through a policy loan2
  • Proceeds generally pass to your beneficiary income tax-free
  • Accelerated Death Benefit Rider included with no additional premium3
  • Death benefits may be paid without going through probate, preventing potential hassles and delays

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Could This Whole Life Policy Be Right for You?

Planning for your financial future doesn't have to be complicated, and we're here to help you design a practical financial strategy. Your financial representative can provide support and assist in mapping out a plan to help achieve your goals, which may include:

  • Controlling how your estate grows
  • Providing a secure future for your loved ones
  • Leaving a bequest to a charitable organization
  • Leaving an inheritance that's generally passed on income tax-free
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Details About Easy Choice Whole Life

With Easy Choice’s simplified, straightforward process, it will only take about 10 minutes to complete the application. Once your application is completed, the information will be processed to provide a quick (sometimes instant) decision on coverage eligibility and your rate. If approved, you can activate your coverage immediately.

You’ll make premium payments for 20 years up to age 100.

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1 Depending on age and product selection. Approval is also subject to underwriting. Approval is not guaranteed.

2 Loans will accrue interest. Loans and withdrawals may generate an income tax liability, reduce account value and the death benefit, and may cause the policy to lapse. There may be adverse tax implications for a policy classified as a modified endowment contract (MEC) or if the amount of your loans and/or partial surrenders exceeds the cost basis of the policy. Distributions, including loans from an MEC are taxable to the extent of the gain in the policy and may also be subject to 10% additional tax if the owner is under 59 ½. The cash value of life insurance builds over 20 years. There are other considerations the client needs to understand before taking a loan or withdrawal. The client should consider what is best for his or her situation.

3 The ADBR rider is generally automatically included on a life insurance policy at no additional premium subject to underwriting and state availability. The cost of the rider is built into the life insurance premium, though if exercised, the lien created incurs interest unless repaid. The rider allows an advance to be paid against a portion of the death benefit in the form of a lien or loan against the policy provided the insured is diagnosed with a qualifying chronic or terminal illness. Rider terms vary by type of life insurance and state. The type of illness determines the maximum advance amount available. There are no restrictions on how the money from the ADBR can be used after payment. The ADBR is added at no additional premium (although a fee of up to $250 may be charged for an advance payment). Receipt of accelerated benefit payments may adversely affect the recipient’s eligibility for Medicaid or other government benefits or entitlements. They may also be considered taxable by the Internal Revenue Service. You should contact your personal tax advisor for assistance. However, this rider is not available on the graded death benefit product.

Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by The Western and Southern Life Insurance Company. Guarantees are based on the claims-paying ability of The Western and Southern Life Insurance Company. Products are backed by the full financial strength of The Western and Southern Life Insurance Company. Product and feature availability, as well as benefit provisions, vary by state. Easy Choice Life 20 and Easy Choice Life 100 policy series ICC21 2102-322 and Easy Choice Life 100 Graded Death Benefit policy series ICC21 2107-327 each have a maximum face amount of $49.999. If you don’t qualify for Easy Choice Life 20 or Easy Choice Life 100 due to underwriting requirements, you may qualify for Easy Choice Life 100 Graded Death Benefit or another product.

Western & Southern Life is the marketing name for The Western and Southern Life Insurance Company. The Western and Southern Life Insurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, MA and NY.