Guaranteed issue products — quotes based on age only. No medical exam. No health questions. Select a product below to get started.
| Year | ROP % | Premiums Paid | Est. Return |
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Premiums shown are based on published Mutual of Omaha rate tables and are provided for informational purposes only. Rates are subject to change and are not a binding offer or guarantee of coverage. Actual premiums may vary based on application date and carrier approval. Rates shown for CO, MT, NV, NY, OH, OK, SD, and UT are national rate estimates — contact us for exact state-specific pricing. This product is not available in Massachusetts. Thomas Prouse Agency (NPN: 21664748) is a licensed insurance producer.
Ages 18–70. No health questions or occupational restrictions.
All accidents worldwide, on or off the job.
Double benefit for death on a plane, bus, train, or ferry (not in NY).
150% benefit if struck as a pedestrian (not in NY).
Spouse at 100%; children at 20% of the primary benefit.
Get premiums back — up to 100% at year 30. Ages 18–50.
If death occurs in years 1–2, the benefit equals 110% of premiums paid. After year two, the full face amount is paid. Suicide is limited to a refund of premiums only.
Premiums shown are based on published Corebridge Financial (American General Life) rate tables and are provided for informational purposes only. Rates are subject to change and are not a binding offer or guarantee of coverage. Actual premiums may vary based on application date and carrier approval. This product is not available in New York. Thomas Prouse Agency (NPN: 21664748) is a licensed insurance producer.
No health questions. Cannot be declined based on health history.
Never expires. Premiums are locked in and never increase.
Builds cash value over time that you can borrow against.
Covers funeral costs, medical bills, and end-of-life expenses.
Available regardless of health history for ages 50–80.
Underwritten by American General Life Insurance Company.