*Rates shown are as of 2/9/23 and based on 60 year old female.

Senior Choice Final Expense Whole Life Insurance (Policy Form No. 9767, 9644 & 9645) is underwritten and issued by American-Amicable Life Insurance Company of Texas / Occidental Life Insurance Company of North Carolina / Pioneer American Insurance Company and is distributed by Everdays, Inc. Issuance of coverage for Easy Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions. Product provisions, availability, definitions and benefits may vary by state. Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

To receive a guaranteed approval you must not be currently hospitalized, confined to a nursing facility, a bed, or a wheelchair due to chronic illness or disease, currently using oxygen equipment to assist in breathing, receiving Hospice Care or home health care, or had an amputation caused by disease. You must not have any form of cancer (excluding basal cell skin cancer) diagnosed or treated by a medical professional, or equire assistance (from anyone) with activities of daily living such as bathing, dressing, eating or toileting. You cannot have  been medically advised to have an organ transplant or kidney dialysis, or have been medically diagnosed as having congestive heart failure (CHF), Alzheimer’s, dementia, mental incapacity, Lou Gehrig’s disease (ALS), liver failure A, respiratory failure, or been diagnosed by a medical professional as having a terminal medical condition or end-stage disease that is expected to result in death in the next 12 months. And you cannot have been medically treated or diagnosed by a medical professional as having Acquired Immune Deficiency Syndrome (AIDS), AIDS related complex (ARC), or any immune deficiency related disorder or tested positive for the Human Immunodeficiency Virus (HIV)
Terminal Illness Accelerated Death Benefit Rider - Policy Form No. 9473 or 3575 in CA (AA, OL, PA, PS); TIA302 (IAA). If you are diagnosed by a licensed Physician with a life expectancy of 12 or less months (some states 24 months), you may receive up to 100% of the death benefit. The payment of the accelerated benefit will reduce the life insurance proceeds by the amount of the benefit paid. The cash value (if any), the amount available for loans (if any), and the premium (excluding policy fee) for the policy will decrease in proportion to the amount of benefit paid. For information specific to California, refer to form 3672-CA. Availability varies by state, see rider for complete details.
Confined Care Accelerated Benefit Rider - Policy Form No. 9760 or 3156 in NC (AA, OL, PA, PS); AB303 (IAA). If a licensed Physician provides the Company a written statement of the diagnosis of your medical condition and states that you are a full-time permanent resident of a Nursing Home and will continue full-time permanent residence in a Nursing Home until death, you may receive a fixed monthly payment equal to 5.0% of the policy face amount. The payment of the accelerated benefit will reduce the life insurance proceeds by the amount of the benefit paid. The cash value (if any), the amount available for loans (if any), and the premium for the policy (excluding policy fee) will decrease in proportion to the amount of the benefit paid. Availability varies by state. See the rider for complete details.


The acceleration-of-life-insurance benefits offered under these riders may or may not qualify for favorable tax treatment under the Internal Revenue Code of 1986. Whether such benefits qualify depends on factors such as your life expectancy at the time benefits are accelerated or whether you use the benefits to pay for necessary long term care expenses, such as nursing home care. If the acceleration-of-life-insurance benefits qualify for favorable tax treatment, the benefits will be excludable from your income and not subject to federal taxation. However, acceleration-of-life-insurance benefits payments may be taxable by your state. Tax laws relating to acceleration-of-life-insurance benefits are complex. You are advised to consult with a qualified tax advisor about circumstances under which you could receive acceleration-of-life- insurance benefits excludable from income under federal law.  Receipt of acceleration-of-life-insurance benefits may affect your, your spouse's or your family’s eligibility for public assistance programs such as medical assistance (Medicaid), Aid to Families with Dependent Children (AFDC), supplementary social security income (SSI), drug assistance or other public assistance programs. You are advised to consult with a qualified tax advisor and with social service agencies concerning how receipt of such a payment will affect your spouse’s or your family’s eligibility for public assistance.

The Everdays mark and the Everdays logo are registered trademarks of Everdays, Inc. This app is owned and operated by Everdays, Inc., a Delaware corporation doing business in California as Everdays Moments Insurance Marketing.

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