AssuredAssuredA.M. Best
A+ Rated Carrier
BBB Accredited
A+ Rating
Over $2B
In Claims Paid
No Medical Exam
Required
Americans aged 65+ are 3× more likely to leave unplanned debt to their family than those who plan ahead.
Source: LIMRA National Insurance Study, 2024
Average Funeral Cost, USA
✓ Assured policies pay directly to beneficiaries — no reimbursement paperwork, no waiting period.
What Families Face Without a Plan
Coverage from $5,000 to $25,000 available. Policies issued within 48 hours of approval. No medical exam for applicants aged 50–85.
How Approval Works
Answer 4 questions
Age, tobacco use, coverage goal, and a plain-language health self-rating. No forms, no jargon.
Instant decision
Our underwriting engine reviews your answers in real time. Most applicants receive a decision in under 60 seconds.
Policy issued in 48 hrs
Once approved, your policy document and welcome packet arrive by email and mail within two business days.
95 out of 100 applicants are approved without a medical exam. Applicants aged 50–85 with most common health histories qualify.
47 sec
Avg. Decision
50–85
Age Range
48
States Served
The Cost of Waiting
Premiums are locked the day you apply. The same $15,000 policy costs 58% more at 74 than it does at 62. There is no benefit to waiting — only a higher monthly number.
$15,000 coverage · Non-Tobacco · Standard Health
Age 62
to $44/mo
Most Common
Age 68
to $63/mo
Age 74
to $98/mo
Rates shown are illustrative estimates for a healthy non-tobacco applicant. Your exact rate depends on age, health tier, and state.
Real Policyholders
"I was dreading this conversation for years. The whole thing took 12 minutes online. My wife has the policy number, the benefit amount, and the phone number to call. That's all she needs."
Robert Caldwell
Retired, Age 71 · Tampa, FL
"Mom kept putting it off. I found Assured at 11pm searching on my phone. She was approved the next morning. The peace of mind for our whole family is worth every dollar of that premium."
Sandra Nguyen
Adult daughter, Age 47 · Portland, OR
"After my husband passed, I had to recalculate everything. The advisor walked me through exactly what I needed — no upselling, no confusion. Just a clear number I could budget for."
Dorothy Harmon
Surviving spouse, Age 68 · Columbus, OH
No Obligation. No Medical Exam.
Every dollar your family will need — accounted for. Every month, for as long as it matters.
Takes 60 seconds · No credit card · Rates locked for 30 days