American Memorial

Sub-Standard –  Simplified Issue

Immediate Death Benefit Whole Life

American Memorial Life offers full immediate death Benefit Life Insurance for many of your rated or declined clients.

  • No medical examination
  • No blood or urine tests
  • No attending physician’s statements
  • No questions about occupation, travel, hazardous sports, previous declinations, or ability to work

The following are usually okay

  • Cancer – After 12 months with no treatment
  • Heart conditions – After 24 months with no treatment
  • Insulin-dependent Diabetes – After age 40
  • Multiple Sclerosis
  • Lupus
  • Parkinson’s Disease
  • Epilepsy
  • Palsy
  • Muscular Dystrophy

Just complete a simple application, answering only a few health questions and, if approved the policy will be issued in days, not weeks or months.

Maximum Issue Limits
Issue Age Whole Life
0-25 $20,000
26-39 $30,000
40-75 $75,000
76-80 $25,000
81-85 $20,000

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