Life Insurance Plans
Protect your family’s tomorrow, starting today.
At Low-Cost Health Coverage, we know that thinking about life insurance isn’t easy but it’s one of the most loving, selfless decisions you can make. Life insurance isn’t just about numbers and policies, it’s about making sure your family can move forward financially, even if life takes an unexpected turn.
Whether you want to protect your children’s future, help your spouse stay in the home you built together, or simply make sure final expenses don’t fall on your loved ones, we’re here to help you find the right coverage, without the stress, pressure, or complicated fine print.
What makes our plans different?
Budget-friendly monthly payments
We offer plans that won’t break the bank. Choose coverage that fits your needs and your wallet, without surprise costs.
No medical exam (for many plans)
Worried about health questions? Don’t be. Many of our plans only ask a few simple health questions to get you covered fast.
Fast and simple
approval
Get covered fast, some people are approved in just 1–2 days. Our process is quick, friendly, and stress-free.
Coverage that adapts to your life
As your life changes, your plan can too. We’ll help you adjust your coverage when you need to, no headaches.
Real people, real support
Our team is here to help, not to pressure you. We’ll walk you through your options in plain language and help you make the best choice for you and your family.
What is Life Insurance?
Life insurance gives your loved ones financial support when they need it most. It provides a tax-free, lump-sum payment called a death benefit to your designated loved ones in the event of your passing.
This money can be used however your family needs: to cover funeral costs, pay off the mortgage, manage day-to-day bills, or even save for a child’s education.
It offers more than just money. It offers peace of mind, knowing that if something happens to you, your family won’t be left struggling with added financial burdens during an already difficult time.
Types of life insurance we offer:
Term Life Insurance
Affordable protection for a specific period of time, perfect for growing families.
Term life insurance is straightforward and cost-effective. You choose how long you want the coverage to last—typically 10, 20, or 30 years—and if something happens to you during that time, your beneficiaries receive a cash benefit.
This type of plan is great for:
Parents raising children.
.
Homeowners with a mortgage.
People looking for income replacement during their working years.
Because it’s temporary, term life insurance tends to have lower monthly premiums, giving you valuable protection when your family needs it most, without breaking the budget.
Whole Life Insurance
Lifelong coverage that builds value over time, so your loved ones are always protected.
Whole life insurance provides permanent coverage that doesn’t expire, no matter your age or health changes. It also builds guaranteed cash value you can access when needed, making it both a protection plan and a financial resource for life’s what-ifs.
Whole life insurance is ideal for:
People planning for legacy or estate.
Families who want long-term peace of mind.
Individuals seeking stable premiums and guaranteed benefits.
This plan gives you both lifetime protection and a financial tool you can use while you're still living, like a savings account with added security.
Let's find the right plan for you!
Quick quotes. Honest help. No hassle. Just the coverage you deserve.
Final Expense Insurance
Simple, affordable plans to cover end-of-life costs, so your family isn’t left with the bill.
Final expense insurance is designed to help cover the costs that come at the end of life, like funeral or cremation services, unpaid bills, or medical debt. These plans typically offer lower coverage amounts but are easy to qualify for and often don’t require a medical exam.
This type of plan is ideal for:
Adults age 50 to 85 years old.
Seniors on a fixed income.
Anyone who wants a guaranteed, no-fuss plan.
With final expense insurance, your loved ones won’t be left scrambling to cover costs or make difficult financial decisions. Everything is taken care of, simply and affordably.
Your trusted partner for life’s health decisions
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Call 1-818-481-9342 / TTY 711
Hours: 8 a.m. to 8 p.m., 7 days a week.
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