*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.


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Our affordable permanent whole life insurance policies are designed to provide lifetime protection to cover more than just your final expenses. Whether you're in great health or are facing some health challenges, we are dedicated to getting you approved for a policy that allows you to fund your end-of-life plans.

  • They advertise low monthly rates that are for extremely low coverage amounts.
  • Their coverage has a maximum of only $25,000.
  • They will offer anyone coverage, so healthier people pay a huge premium to cover for people knocking on death’s door. 
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We make end-of-life planning easy

Having a well-documented, fully funded end-of-life plan will bring clarity, comfort, and peace-of-mind to both you and your family knowing everything is in order and your loved ones will be financially taken care of.  It will ensure that your final wishes are honored and spares your family from making difficult decisions during an already emotional time.

Go beyond the limits of traditional final expense

Unlike most final expense insurance companies that limit coverage to $25,000, with Everdays you can get coverage up to $100,000 and build a fully funded end-of-life plan that is documented, securely stored, and easily shared with your loved ones, so that your final wishes are fulfilled just as you intended.


With up to $100,000 in coverage you can:


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  • We offer you a personalized quote, with much better coverage amounts for low monthly prices.
  • Our coverage goes up to $100,000 and can help you cover significantly more expenses.
  • We designed our final expense for younger and healthier people, so that you only pay for YOUR coverage.

It’s more than insurance. It’s a comprehensive plan.

Extend the value of your policy by ensuring that your end-of-life plans are recorded and securely stored. When the time comes, your beneficiaries will have everything they need to carry out your final wishes.


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Answer a few simple questions and get approved for a personalized insurance policy with a coverage amount that best fits your needs and budget.

“When I realized I could get more money than the $9.95 plan I saw on TV I figured I’d actually be able to leave a gift for my grandkids. I got a very affordable price for a $100,000 policy. They answered all my questions, and made the whole process clear, simple and pleasant.”

"Applying for my new whole life insurance policy was a breeze, especially with no required medical exam. The price was reasonable, and being able to buy it online was extremely convenient."

Manage & Share

Store your plans and policy in one place so you can easily update and share them with your plan executor, ensuring your end-of-life plans are honored when the time comes.



Direct how you want the life insurance proceeds distributed to ensure that your end-of-life plans are funded.


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