Same day issue, settlement and commission is now in effect

All contracted advisors will now see their applications issued and settled, with commission paid within the same business-day!
It's quick and easy:
1. submit the application any business day before noon (EST);
2. ensure the application is fully complete and accurate / and as long as there are no MIB discrepancies*, everything will run like clockwork.
For more details:

Specialty Life Insurance
The innovative insurance solutions of tomorrow

  - promise of instant delivery!

Fast & Simple is a reality

The Evolution Series offers more solutions!

An individual assessment sequence tailored to every applicant

24/7 instant underwriting assessment

Service incorporated with:

• The most modern underwriting guidelines
• The most advanced medical knowledge
• More unique features available, including speech technology.

Jenie 2.0 brings our ever-evolving AI, real-time virtual underwriter to a whole new level!

• Further optimized sequences with a friendlier flow and more effective logic;
• Remodelled and modernized risk assessment path, making for an extra-comfortable experience;
• Fine-tuned underwriting accuracy with the safest true no medical outcome.

Critical Illness - acceptance granted!

We chose for you - all 24 illnesses covered
Up to $25,000 guaranteed issue (no questions)
Up to $150,000 with only 6 questions
Get your client insured in ONE day!
Contact your Regional Sales Director or for more information.

JenieTM (Jet Evolution NoMed Intelligent Engine)
Ever-evolving AI, your real-time virtual underwriter
EvolutiON powered by Jenie™
Evolution is an innovative life insurance product that allows your clients to be insured instantly (real-time virtual underwriting) through our proprietary web platform. This streamlined application process provides full underwriting without medical exams, paperwork or lengthy approval periods.


Critical Illness

Simple and comprehensive coverage up to $150,000 with no medical exams, designed to help your clients protect their lifestyles and financial security in the event of a serious illness.

Final Expense Plan

Provides coverage for difficult-to-insure clients looking for security for their final needs. No medical exams and an easy application allow your clients to be approved the same day they apply. Additional accidental death coverage provides up to four times the plan’s benefit at no extra cost.

AD&D Insurance

Our Accidental Death and Dismemberment coverage provides guaranteed acceptance, instant issue protection, and up to $500,000 in benefit amounts.

Guaranteed Protection Plan

Guaranteed insurability with up to $50,000 in benefit amounts provides clients with the most straightforward and accessible life insurance plan for their financial needs.

Preferred Protection

Day-one coverage, preferred rates, and no medical exams provide clients with a plan that offers the maximum amount of coverage with the ease of a simplified policy.

Standard Protection

Simplified underwriting and coverage amounts up to $300,000, allow your clients to get a substantial benefit with no medical exam requirements.


Find all of our applications, sample policies, underwriting guides and more.