Settlers Life Solutions

Settlers Life has four final expense plans with benefit amounts that range from $1,000 - $35,000 and cover ages 15 days to 85 years. Eligibility is determined by your answers to a limited number of health questions, so no physical exam is required.

All of Settlers Life's policies are whole life, which means that coverage lasts your entire lifetime as long as your premiums are current. In addition, your premiums never increase and your benefits never decrease.

Settlers Life makes paying for your final expense life insurance policy easy. Flexible payment options allow you to pay for your policy all at once or spread out your payments over 10 years, 20 years or the life of your policy. Payments can be automatically withdrawn from your bank account or billed to you on an annual, semi-annual, quarterly or monthly basis.

Check out our plans below to learn more about how Settlers Life can give you extra peace of mind.

Gold Plan - Has your health been good for the past five years?

Then you may qualify for the Settlers Life Gold Plan.

Features:

  • Immediate Benefit Whole Life Policy
  • Face amounts from $2,500 to $35,000, eligible ages 15 days - 85 years
  • Permanent policy and a level premium, even with increasing age

Policy Series WLP-2300 (07), (09), (12). This is an advertisement. Details and forms may vary by state. For policy eligibility and details on coverage, please contact Settlers Life or a Settlers Life Agent.


Silver Plan - Has your health been good for the past two years?

The Settlers Life Silver Plan offers:

  • Immediate Benefit Whole Life Policy
  • Face amounts from $1,000 to $25,000, eligible ages 6 months - 85 years
  • Permanent policy and a level premium, even with increasing age

Policy Series WLP-2300 (07), (09), (12). This is an advertisement. Details and forms may vary by state. For policy eligibility and details on coverage, please contact Settlers Life or a Settlers Life Agent.


Silver II Plan - Have you had recent health issues, but are now taking care of yourself?

If you are someone who developed insulin dependent diabetes after age 50, or had a heart attack more than six months ago, or suffers from chronic asthma, then the Settlers Life's Silver II Plan may be right for you.

Features:

  • Immediate Benefit Whole Life Policy
  • Face amounts from $1,000 to $15,000, eligible ages 50 - 75 years
  • Available for non-smokers only
  • Permanent policy and a level premium, even with increasing age

Policy Series WLP-2300 (07), (09), (12). This is an advertisement. Details and forms may vary by state. For policy eligibility and details on coverage, please contact Settlers Life or a Settlers Life Agent.


Bronze Plan - Modified Plan that offers coverage for those with current health issues

REDUCED DEATH BENEFIT FOR TWO YEARS.

The Settlers Life Bronze Plan is:

  • A Modified Whole Life Policy which provides a reduced death benefit during the first two years.
  • Available benefits from $1,000 - $15,000, eligible ages 40 - 75 years*
  • Qualification is based on answering "No" to two simple health questions
  • In most states, if death occurs due to natural causes within the first two years, Settlers Life will pay the total of premiums paid plus 10%.* In most states, if death occurs due to an accident as defined within the policy during the first two years, Settlers Life will pay the full death benefit. After the first two years, if death occurs due to natural causes, Settlers Life will pay the full death benefit.**
  • Permanent policy and a level premium, even with increasing age

Policy Series IMWLP-2300 (07), (09), (12). This is an advertisement. Details and forms may vary by state. For policy eligibility and details on coverage, please contact Settlers Life or a Settlers Life Agent.

*Maximum available benefit in MN, TX, and PA is  $10,000. Maximum eligible age in AR is 70.
**Reduced death benefit during first two years varies in AR & MN. Accidental death benefit varies in AR.


Bronze Plan II - Modified Plan that offers coverage for those with current health issues

NO LIFE INSURANCE FOR TWO YEARS. Available in NC and WV only.

The Settlers Life Bronze II Plan is:

  • A Modified Whole Life Policy which provides a reduced death benefit during the first two years.
  • Benefits range from $1,000 to $10,000, eligible ages 40 - 75 years
  • If death occurs due to natural causes within the first two years, Settlers Life will pay the total of premiums paid plus 10%. If death occurs due to an accident as defined within the policy during the first two years, Settlers Life will pay the full death benefit. After the first two years, if death occurs due to natural causes, Settlers Life will pay the full death benefit.
  • Permanent policy and a level premium, even with increasing age

Policy Series IMWLP-300 (07). This is an advertisement. Details and forms may vary by state. For policy eligibility and details on coverage, please contact Settlers Life or a Settlers Life Agent.


Expand Your Policy Benefits with Final Expense Riders

Child Term Life Rider - Adds life insurance coverage for children to the parent's policy.

 

  • Additional term life coverage on children of primary insured on Gold, Silver, & Silver II policies.
  • Benefits range from $5,000 to $25,000 per child.
  • All children are covered by one premium rate per unit of coverage; later born children are also covered.
  • Terminates at age 25 with option to convert to whole life insurance without additional proof of eligibility.
  • Coverage remains in force with no premiums due should the insured parent pass away before the children reach age 25.

This is an advertisement. Details and forms may vary by state. For policy eligibility and details on coverage, please contact Settlers Life or a Settlers Life Agent.


Accidental Death Benefit Rider - Provides coverage in the event that death occurs due to an accident as defined in the rider

 

  • Benefit amounts $1,000 - $100,000; amounts greater than $25,000 available for insureds 40 years and older who request base plan coverage of at least $10,000.
  • Eligible ages 15 days - 70 years, depending on plan applied for
  • Rider terminates on the policy anniversary date when the insured's age is 80

This is an advertisement. Details and forms may vary by state. For policy eligibility and details on coverage, please contact Settlers Life or a Settlers Life Agent.


Accelerated Benefit Rider - A living benefit included at no charge on policies with a face amount of $5,000 or more.

 

  • Automatically added to policies of $5,000 or more
  • NO ADDITIONAL COST
  • Allows application for an accelerated living benefit of up to 75% of the policy death benefit if you are diagnosed after the effective date of your policy's coverage as having a terminal illness with a life expectancy of six months or less; In many (but not all) of our states you may also apply if you are diagnosed as requiring continuous care in a nursing home.

This is an advertisement. Details and forms may vary by state. For policy eligibility and details on coverage, please contact Settlers Life or a Settlers Life Agent.


Request Information

For more information, please click here or contact us at:

  • 800.523.2650

Final Expense Life Insurance Calculator

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