Is wyshbox life insurance legit. 57/mo* / Plans start at less than $1/day* / Life insurance for less than $100/yr: Plans starting at $4. Is wyshbox life insurance legit

 
57/mo* / Plans start at less than $1/day* / Life insurance for less than $100/yr: Plans starting at $4Is wyshbox life insurance legit  Wyshbox is available through a sleek website, iOS app, and their Android

Instant approval term life insurance, however, uses your on-file medical records to determine your risk. This trademark application was filed with the USPTO (United States Patent and Trademark Office) under the trademark classification: Insurance & Financial Services;. Wyshbox provides term life insurance tailored to everyone's specific needs with policies that. However, imposter scam is a broad category that refers to various rackets where the scammer pretends to be someone else. get your quote login. The company offers fixed indexed, immediate and fixed annuities, as well as life insurance policies. 301 Moved Permanently. 57/mo* / Plans start at less than $1/day* / Life insurance for less than $100/yr: Plans starting at $4. Term life insurance. SelectQuote has been around for over 35 years and has grown to be the largest direct to consumer life. Insisting on immediate payment. Financial planning tips to prep you for a layoff. S. 57/mo* / Plans start at less than $1/day* / Life insurance for less than $100/yr: Plans starting at $4. MILWAUKEE, May 17, 2022 /PRNewswire/ -- Wyshbox, a fully digital life insurance that offers coverage as low as $9 per month* for $155,000 in life insurance, has expanded from 10 US states to 33. For an insurance type that offers diminishing benefits over time, mortgage protection insurance can be pricey. You need to enable JavaScript to run this app. O. TERM(06. There are a few types of final expense insurance: Guaranteed Issue life insurance: This policy has high premiums and low coverage amounts. Nothing is said about them being sick. If you bit the big one suddenly, that could leave your roommates in a financial tough spot. Wyshbox, a fully digital disruptor in the life insurance market debuted today. Capco predicts a greater emphasis on collaboration between insurers and the DOI to ensure ongoing coverage for policyholders as the DOI will take on additional governance and responsibilities when partnering with insurers to protect insured individuals. Before we get to all the term life insurance rates charts, let’s compare two people: a 30-year old man and a 50-year old man. Location of This Business. 10, 2023 2 min read Wysh Summary Wysh is a term life insurance company. Then read this guide to how bankruptcy and life insurance policies intersect and what that means for you. <iframe src="height="0" width="0" style="display:none;visibility:hidden"></iframe>You need to enable. Myth 2: You have full control. This is a common arrangement: Most utility companies don't want to repair water lines, and they get a cut of the contract cost from the home warranty company. Bestow may be suitable for individuals who want a quick and easy process for buying term life insurance online without a medical exam. Apr 13, 2023. For example, if you want to buy life. You’ll have peace of mind that your wyshes can be granted, and you won’t be wasting time or money searching around for a company that’ll give you flexible coverage. The (financially) unprotected sex by Wyshbox Life Insurance includes interviews and surveys of over 400 women and takes a deep dive into how much of a negative financial impact the pandemic, inflation and fears of a potential recession in the future has had on women of different ages and cultural backgrounds. Northwestern Mutual has one whole life policy that is available up to the age of 85 years, with coverage starting at $50,000. 0/5 Reputation 5. DIS. If your parents co-signed your student loans, they’ll. According to a Haven Life study in 2019, the average coverage amount for women owning an individual life insurance policy was $231, 342. com. Customer Service for: Freedom Life Insurance Company of America: 800-387-9027 National Foundation Life Insurance Company: 800-221-9039. Term Vs Whole Life insurance. help center. 7 billion in invested assets. We are: Easy, Affordable, 100% online, Completely Customizable, Free from Medical Exams. Wyshbox on LinkedIn: #. The minimum death benefit varies by age. Flexible term life insurance coverage for you. Term, Whole, Universal, Survivorship. Business. 0 suggests the company's commitment to quality service and excellent coverage options for auto insurance. Protect the people and things you love. Wysh 2023 Review. This collaboration merges the strengths of both. World’s #1 Fraud. Wyshes can be. Hedvig. On Dec 31st, 2021, we passed into the third year since the onset of the COVID-19 pandemic. Let's get you back on track and pretend this never happened. But if the. It has a strategic partnership with Northwestern Mutual, which is 165 years old, financially sound and one of the largest life insurance companies in the world. 57/mo and less than $1/day are based on an 18-year-old female for a 2-year term in preferred plus health class with a plan face value of $50,000. • 7 mo. Permanent life insurance, such as whole life or universal life insurance, provides lifelong. 1 and 2, respectively, in our rating. Life Insurance only available between ages 18-79. You can get up to $1 million in coverage. But, that comes at the cost of not having much say over your policy. By replacing confusing paperwork and long phone. Box 4490. Northwestern Mutual made our list of the best term life. Wyshbox is a new arrival in the life insurance business, founded by tech entrepreneurs in 2021 to digitally disrupt the musty old life insurance industry. Plans starting at $4. At its core, insurtech is any technology used by an insurance company to streamline it’s day-to-day processes and the industry as a whole. The good news . We have answers. Oops! We must've moved whatever was here. From constant breaking news, to various levels of shutdowns and viral mutations, the strain on communities, businesses, and industries has not only been physical, but mental as well. How to avoid the scam: Never agree to a change in your policy without getting the details in writing. There are also certain policies that benefit people living with HIV. Transamerica offers two types of term life insurance policies, with terms of 10, 15, 20, 25 and 30 years available. She had a life insurance policy with this lousy company. Prevention Platform. Insurance fraud examples can include non-disclosure, exaggerations and deliberate fraud each with their own specific punishments and consequences. 64 in 2021, which means it has many more complaints than expected. ( 5 reviews ) Website: Write a Review. 25 years ago Kroll was staffed by former CIA and FBI, and they sold kidnap insurance to executives working overseas in dangerous locations. Premiums aka your monthly or annual payments, are determined by a number of factors — such as, age, coverage amount, personal and family medical history, lifestyle and job, among others. FORGET YOU SAW THISWe must've moved whatever was here. After our son was born, it was essential that we do 2 things: purchase supplementary life insurance (to add to that provided by our employers) and write our living wills. Confidence Income Annuity®. Login. Prulife Uk is cery bad in handles termination of policies! They’re a nightmare tk deal with. ). Ladder. Years in Business: 78. Wyshbox Life Insurance is a great option for those who are looking for affordable and flexible policies. The Wysh Life and Health Insurance Company term life product application asks certain lifestyle and health questions to help avoid requiring a medical exam. Coverage amounts range from $50,000 to $1. Designed to cover end-of-life costs, this burial insurance policy requires you. However, the companies that underwrite AIG Direct's policies, American General Life Insurance Company (AGL), Houston, TX and The United States Life Insurance Company in the City of New York (US Life) receive positive ratings of. Wyshbox is the marketing name for Wysh Life and Health Insurance, which provides term life. Contacted customer service and was told it’s not cancelled and NO refund as I made a 3 month commitment! Literally their website states “ we want to make it simple, cancel ANYTIME”! Ripoff and scam! ”Globe Life sells life insurance with coverage up to $50,000 for adults and $30,000 for children. Purchasing life insurance through wyshbox was a very simple and easy process. It’s boring, it’s dreary and it’s no enjoyable fascinated about your inevitable demise. Here are 14 emerging scams that anti-fraud experts are tracking in 2023, along with tips on how to thwart the crooks. Let's get you back on track and pretend this never happened. Myth 2: You have full control. A policy with an initial cash value of $4,000 that builds to $140,000 in 10 years and a $300,000. It has a strategic partnership with Northwestern Mutual, which is 165 years old, financially sound and one of the largest life insurance. So get out there, do your research, figure out your needs (and maybe some wants), and find the right policy for you. Plans starting at $4. If you receive this reward, you are not eligible for other Wyshbox promotions during the promotional period. Wysh. With Wyshbox, you get the assurance that someone will always have your back in times. Key Takeaways. Say hello to a tailored term life insurance that can help grant your wildest after-life Wyshes. Terms subject to change. Individual life policy contract: ICC22. The pandemic showed us that life can change at any minute. So if you’re asking yourself. It’s pretty common for policies like term life and guaranteed universal life insurance to have level premiums. Term life insurance. Universal: permanent coverage, flexible payment, and. Nonetheless, it is best to actually do one thing to guard your loved ones in case one thing sudden occurs to you. 57/mo and less than $1/day are based on an 18-year-old female for a 2-year term in preferred plus health class with a plan face value of $50,000. Reviewed Aug. Number five is the services scam at $4. The basic plan is free and the premium and family plans currently come with a free seven-day trial. Plans starting at $4. But both companies only offer term life insurance policies. The same policy for a male age 40 is $420 a year. Say hello to a tailored term life insurance that can help grant your wildest after-life Wyshes. “We are committed to bringing personalised and affordable Life Insurance to everyone in the US, and this next expansion is very exciting as we get closer to. About Wysh Life Insurance Wysh is an innovative life insurance provider committed to making life insurance more accessible. You can choose a policy lasting 10. 57/mo and less than $1/day are based on an 18-year-old female for a 2-year term in preferred plus health class with a plan face value of $50,000. WELCOME TO WYSH LIFE INSURANCE. Better to put into RE, stocks, PM’s or even crypto. The company has 4. Lemonade Car Insurance: starts at $30 per month. get started. Guardian Life Insurance Company of America is a mutual insurance company, meaning it’s owned by its policyholders. Cunning health care providers usually commit fraud, and in some unfortunate cases, most are pretending to be a legitimate health care provider. 5 million for terms. Though,. Fabric had the best rate for 55-year-old females buying $500,000 in. 57/mo and less than $1/day are based on an 18-year-old female for a 2-year term in preferred plus health class with a plan face value of $50,000. The company is legit, though. That’s a pretty large difference. In this hypothetical scenario, term life could be more convenient for short- and middle-term needs. 1. (Report 1) Date reported: Aug. 5 out of 5 stars rating on its Facebook page, and it currently has an A+. Why would some life insurance companies think about changing their rules? Well, the global life insurance industry saw reported claims due to COVID-19 rise to $5. Nonetheless, it’s best to actually do one thing to guard your loved ones in case one thing surprising occurs to you. 700 Main St, Lynchburg, VA 24504-1448. However, it’s important to assess your needs and compare policies from different insurance companies before making a. Wysh Review. With these. <iframe src="height="0" width="0" style="display:none;visibility:hidden"></iframe>You need to enable. Plus you know your own story better than anyone else. Wyshbox, with its focus on term life insurance, emphasizes adaptability and clarity, ensuring policies can evolve with life's changes. Fraud cost veterans, service members and their families $267 million in 2021, an astonishing 162 percent increase from the previous year, according to Federal Trade Commission (FTC) data. We don’t offer joint policies at this time. ADB (03. 57/mo* / Plans start at less than $1/day* / Life insurance for less than $100/yr: Plans starting at $4. The average cost of an in-state public university comes to $102,828 over 4 years. Starting at $9/mo. Chubb car insurance. 13, 2021 /PRNewswire/ -- Wyshbox, a fully digital disruptor in the life insurance market debuted today. This has tarnished the reputation of the respected and trusted individuals in the medical field. com & Wyshbox. Wyshbox is a leading online life insurance carrier that revolutionizes the insurance industry by eliminating the requirement for a life insurance exam. ”. Let’s face it, life insurance coverage is the other of a superb time. Transamerica’s Trendsetter LB policy was named “Best Overall” in our Forbes Advisor review of the best term life insurance. 84 per year, which is less. Wyshbox takes the stress out of buying life insurance. Just supply some basic personal information and answer a few health-related questions, and you can rest assured that your “ Wyshes ” can be covered during the full term of your policy. 57/mo* / Plans start at less than $1/day* / Life insurance for less than $100/yr: Plans starting at $4. They work with a variety of insurance carriers like Mutual of Omaha, Foresters, Transamerica, and other name brand companies you may have heard of. Back. Wyshbox isn't alone in trying to crack into the life insurance market. Wyshbox is available through a sleek website, iOS app, and their Android app will be launching later this month. Spot a scam? Tell the BBB about it. Your coverage becomes effective 91 days after you open an eligible account. Life insurance beneficiaries can use the death benefit any way they see fit. Insurance products are underwritten by WLHIC. Paying more for body wash, razors, and pens is the pits but there is one area where we beat the odds: life insurance. <iframe src="height="0" width="0" style="display:none;visibility:hidden"></iframe>You need to enable. Let's get you back on track and pretend this never happened. M. The most crucial consideration is how much coverage you get per unit. Oops! We must've moved whatever was here. It has a strategic partnership with Northwestern Mutual, which is 165 years old, financially sound and one of the largest life insurance companies in the world. Real cost calculator. Child care. Our life insurance calculator, Wysh Builder, lets you identify your exact coverage needs and build a custom policy. Wysh ( Wysh. Two weeks later I am charged $84. Wyshbox is available through a sleek website, iOS app, and their Android app will be launching later this month. One way is to use the life insurance policy, or rather its cash value, as a liquid asset. Form #. The policy offers $25,000 to $2 million in coverage with terms of. Say hello to Wyshbox. Everyone, regardless of age or gender, pays just $9. Unum hasn’t paid me for my surgery disability when I started the process two months ahead of my surgery. Our entire staff works tirelessly to support our employees and CSRs are a critical piece of that puzzle. Wyshes. This new financial protection resource provides customizable term life insurance coverage starting as low as $9 per month for $150,000 in life. 57/mo and less than $1/day are based on an 18-year-old female for a 2-year term in preferred plus health class with a plan face value of $50,000. By replacing confusing paperwork and long phone. Pay hundreds of dollars a year on the off chance you might die…. 1-877-654-6119. Get term life insurance that can help pay for daycare, health care or school tuition for your children if anything were to happen to you. It has a strategic partnership with Northwestern Mutual, which is 165 years old, financially sound and one of the largest life insurance companies in the. Wyshbox, a fully digital disruptor in the life insurance market debuted today. Wysh Financial, LLC is a financial technology company, not a bank. Wyshbox offers online life insurance with no medical exam required. 57/mo and less than $1/day are based on an 18-year-old female for a 2-year term in preferred plus. Totally possible with Wyshbox! #WhatsYourWysh Wanna have your ashes launched into space? Rehouse your precious houseplants in the rainforest? Hire a yoga instructor for your cat?. Northwestern Mutual’s Variable Universal Life Plus is offered to all risk classes up to age 75. 57/mo and less than $1/day are based on an 18-year-old female for a 2-year term in preferred plus health class with a plan face value of $50,000. In government impersonation scams (also known as government imposter scams), scammers call unsuspecting older adults and pretend to be from the Internal Revenue Service (IRS), Social Security Administration, or Medicare. , so if you’re on any drugs, they’ll show up. 48 billion in 2019 and is expected to reach 10. Now, the process can vary based on industry, company, and who’s doing the underwriting. The company manages a total of $20. When we asked our survey respondents what would get them to purchase life insurance, 55% of them said that they would “if [they] got married or had a child. Our research found that various communities of women weren't just vulnerable to these. Apr 13, 2023. Insurtech is short for “insurance technology. Hedvig. Vaccination, life insurance, and the future. Insurance is subject to underwriting. Get a life insurance quote. You know how your needs changed and how they’re changing. #WhatsYourWysh | Say hello to an affordable term life insurance that puts you first! At Wyshbox, we have combined the traditional strengths of insurance with modern tech tools. Luckily, 21st-century advances in technology have made the process a lot more streamlined and easy for a policy-holder and beneficiary to understand. This inspiring video showcases our commitment to quality customer experience, care and…Learn if you can receive life insurance if you have a mental illness. Scam artists are getting more creative and sometimes use the names of large, reputable companies to make their scams convincing. com), are thrilled to announce a transformative partnership. Life insurance scammers frequently demand not only an instant decision on their offer but instant payment for it as well. And don’t forget to go over these questions with your partner so. Other concerns about transgender friendly life insurance. Answer just a few questions to get your results. It’s important for the policyholder to communicate on desired uses of the money, if there are any. World’s #1 Fraud. It’s a similar process to using the DIME method, which looks at debts, income, mortgage, and education. #WhatsYourWysh | Say hello to an affordable term life insurance that puts you first! At Wyshbox, we have combined the traditional strengths of insurance with modern tech tools. C. We offer direct-to-consumer, term life insurance online. 57/mo* / Plans start at less than $1/day* / Life insurance for less than $100/yr: Plans starting at $4. 57/mo* / Plans start at less than $1/day* / Life insurance for less than $100/yr: Plans starting at $4. If your mind went to the latter, you’re not alone since many find these tales of deceit enticing. Wyshbox made getting this life insurance quick and painless -- and the monthly cost is very reasonable! Date of experience: 13 July 2023 Spoiler alert: planning for the future should start sooner rather than later. Wyshbox offers online life insurance with no medical exam required. get started. We bring choice, transparency, and efficiency to one of your most important life decisions. Wyshbox made getting this life insurance quick and painless -- and the monthly cost is very reasonable! Date of experience: 13 July 2023 There are a couple of ways you can borrow money from life insurance to buy a house. So proud. 866-722-8744;. Check out this guide to getting life insurance as a felon. Benefits of Wyshbox Life Insurance. But a life insurance payout can act as an income supplement or even replacement, giving your. This life insurance scam happens when the scammer contacts you claiming that you’re the beneficiary of a life insurance policy for someone who has recently passed. For example, trans people are disproportionately affected by mental illnesses, often due to cissexism, violence, homelessness, and barriers to healthcare, among others. Review. Specializing in term. Haven Life provides the best rates for 35-year-olds and 45-year-olds. 3 State Farm offers both term and. TERM (03. 5. Ethos offers term life insurance to people ages 20 to 65 in all states except New York, with coverage ranging from $20,000 to $2 million. The Trendsetter Super policy offers up to $10 million in coverage — or even. Searching: Domain age. Purchasing life insurance through wyshbox was a very simple and easy process. Overall rating 4. Yet about 25% of whole life policies lapse within five years because people can't keep up the premiums. Login. We are a subsidiary of Northwestern Mutual. Wyshbox: Under 50 year olds: 18 – 50: $2,500,000: Health questions. re not your average financial services company. Beneficiary scam. 0. 57/mo and less than $1/day are based on an 18-year-old female for a 2-year term in preferred plus health class with a plan face value of $50,000. Call the Canadian Anti-Fraud Centre toll free: 1. New York, NY --News Direct-- Wysh Life and Health Insurance Company. 57/mo and less than $1/day are based on an 18-year-old female for a 2-year term in preferred plus health class with a plan face value of $50,000. Speaking of children, a life insurance plan can also cover care for your kids. We have narrowed the list to these top five companies - Wyshbox, Bestow, Northwestern Mutual, Transamerica, and Ladder. So Wyshbox Life Insurance broke down 401ks, how they differ from an insurance policy, and how they may complement your existing policy. But there may be barriers along the way. Sources: “Aurora National Life Assurance Company. 57/mo* / Plans start at less than $1/day* / Life insurance for less than $100/yr: Plans starting at $4. The company’s term life insurance is available to applicants ages 18 to 65 and offers coverage amounts from $50,000 to $2 million in terms of 10, 15, 20 and 30 years. 57/mo. 57/mo* / Plans start at less than $1/day* / Life insurance for less than $100/yr: Plans starting at $4. They used tried and true techniques like phishing, spoofing, spam and robocalls. You must tap the button, and get a quote for life insurance from Wyshbox within the promotional period and in the same session to redeem. . You’ll have peace of mind that your wyshes can be granted, and you won’t be wasting time or money searching around for a company that’ll give you flexible coverage. In order to get quotes on its site, Policygenius asked me to provide the following information: Policygenius itself doesn’t have an A. 57/mo and less than $1/day are based on an 18-year-old female for a 2-year term in preferred plus health class with a plan face value of $50,000. Years in Business: 78. With Wyshbox, You Can Completely Customize Your LegacyWhat do you want to happen after you die? Here’s how to craft a personalized life insurance plan that fits your family’s specific needs. Below are monthly rates for a 20-year, $500,000 term life insurance policy from Corebridge. To update your coverage on an existing policy with us please call one of our customer service representatives at 1-888-888-0376 our hours are (Monday – Friday, 7 a. Their basic. Plans starting at $4. 57/mo* / Plans start at less than $1/day* / Life insurance for less than $100/yr: Plans starting at $4. Insurance fraud committed by third parties, or by AIG employees, adversely impacts the industry, AIG’s profitability, our insureds, business partners, consumers and the general public. You can buy $100,000 to $3 million in coverage without a. You can multiply your salary by five-, seven- or ten-times (or any number you’d like) to calculate a type of coverage. Is wyshbox. 57/mo and less than $1/day are based on an 18-year-old female for a 2-year term in preferred plus health class with a plan face value of $50,000. 57/mo* / Plans start at less than $1/day* / Life insurance for less than $100/yr: Plans starting at $4. 57/mo and less than $1/day are based on an 18-year-old female for a 2-year term in preferred plus health class with a plan face value of $50,000. The sum you end up with is the total death benefit that will be paid out to your beneficiaries when you die. #Asthma #Insurance #LifeInsurance Life insurance for asthmatics - A guide to. It was very easy to get the details that I needed and complete the process. I'm so sorry you had problems contacting us and finding a phone number. And the health problems that arise from excessive alcohol abuse can vary, but are no less dangerous. 0/5 Policies & Coverage Overall Rating: 5 / 5 (Excellent) With its novel approach to term life insurance policies, Wysh offers a 100% online application that can be completed in less than 10 minutes and requires no. 57/mo* / Plans start at less than $1/day* / Life insurance for less than $100/yr: Plans starting at $4. This new financial protection resource provides customizable term life insurance coverage starting as low as $9 per month for $150,000 in life. Decide what you need for each phase of life. Plans starting at $4. MILWAUKEE, May 17, 2022 /PRNewswire/ -- Wyshbox, a fully digital life insurance that offers coverage as low as $9 per month* for $155,000 in life insurance, has expanded from 10 US states to 33. Wyshbox offers online life insurance with no medical exam required. Policy Switching. Personal Finance Writer. After our son was born, it was essential that we do 2 things: purchase supplementary life insurance (to add to that provided by our employers) and write our living wills. Up to $2. We must've moved whatever was here. Rub your finger over the line at the bottom of the check and look closely at its quality. Say hello to a tailored term life insurance that can help grant your wildest after-life Wyshes. Business Incorporated:Before we dive all the way in, here’s a quick rundown of the 4 types of life insurance we’re talking about: Term: temporary coverage for a set amount of time. But life insurance is the BIGGEST scam ever. Overall Rating: get a quote securely through Wysh Life Insurance's website Wysh is an online term life insurance provider offering flexible policy options available. Purchasing life insurance through wyshbox was a very simple and easy process. Insurance is subject to underwriting. From life insurance, accidental death coverage to savings accounts, we're nurturing dreams, safeguarding futures, and enriching lives - one Wysh at a time. com? Wysh is an online provider of term life insurance, operating through. So, it’s no wonder that since 2020, the 45 and under crowd has been flocking to buy life insurance Plans starting at $4. TERM (03. Losing your job is scary. Wyshbox is available through a sleek website, iOS app, and their Android. Wyshbox’s advanced technology, rock-solid financial backing, and emphasis on customer service has reimagined the entire experience of obtaining life insurance. We've discovered. 1 - Benefit is calculated as a percentage, set by Wysh Financial, LLC, multiplied by the average of the monthly trailing average balance of your account for each of the prior three months. The average cost of a 20-year term life policy for a 30-year old man with $500,000 in coverage comes to $246 per year. CST. 2. Wyshbox isn't alone in trying to crack into the life insurance market. On-demand accident insurance for an active life. 2021), Terminal Illness ADB Rider: ICC21. 57/mo* / Plans start at less than $1/day* / Life insurance for less than $100/yr: Plans starting at $4. For example, CenterPoint Energy advertises a service repair contract for water line breaks for $5. The sheet set came a few days later. Underwriting is an important aspect of the insurance industry. Plans starting at $4. Let's get you back on track and pretend this never happened. Get. Scammers have been known pose as insurance agents selling cheap, fraudulent policies to consumers who think they're obtaining legitimate coverage from a licensed insurer, according to PropertyCasualty360. 5, 2023. While we don’t offer this option, we explore what return-of-premium… Wyshbox on LinkedIn: #insurance. Let's get you back on track and pretend this never happened. SelectQuote is an insurance quates comparisons website for life insurance, auto insurance, home insurance, and Medicare supplement insurance. Aflac author review by Matthew Brodsky. 57/mo and less than $1/day are based on an 18-year-old female for a 2-year term in preferred plus health class with a plan face value of $50,000. I'm so sorry you had problems contacting us and finding a phone number. – 6 p. Wyshbox takes the stress out of buying life insurance. Discover how you can be reimbursed for premiums paid with return-of-premium life insurance. Each unit costs $9. Wysh provides customizable term life insurance policies and payable-on-death high yield savings accounts. Ethos offers term life insurance to people ages 20 to 65 in all states except New York, with coverage ranging from $20,000 to $2 million.