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With life insurance coverage from Settlers Life, you get:

  • $1,000 - $50,000 to pay for your final expenses1
  • Living benefits before, during, and after death2
  • End of Life Assistance is just a phone call away: 888-738-85373
  • Fast claims payment...in some cases within 24 hours4

With final expense life insurance products available in 44 states and the District of Columbia and the ability to pay claims to beneficiaries in all 50 states, Settlers Life truly is America's Final Expense CompanySM.

Settlers State Map
Settlers Life Insurance Plans

Has your health been good for the past five years? Then you may qualify for the Settlers Life Gold Plan.

Plan Features:
Immediate Benefit Whole Life Policy
Face amounts from $2,500 to $50,000, eligible ages 15 days - 85 years
Permanent policy and a level premium, even with increasing age

Policy Series 2014 WLP2300. This is an advertisement. Details and forms may vary by state. For policy eligibility and details on coverage, please contact Settlers Life or a Settlers Life Agent.

Has your health been good for the past two years? The Settlers Life Silver Plan offers:

Immediate Benefit Whole Life Policy
Face amounts from $1,000 to $25,000, eligible ages 6 months - 85 years
Permanent policy and a level premium, even with increasing age
Policy Series 2014 WLP2300. This is an advertisement. Details and forms may vary by state. For policy eligibility and details on coverage, please contact Settlers Life or a Settlers Life Agent.

Modified Plan that offers coverage for those with current health issues REDUCED DEATH BENEFIT FOR TWO YEARS.

The Settlers Life Bronze Plan is:
A Modified Whole Life Policy which provides a reduced death benefit during the first two years.
Available benefits from $1,000 - $15,000, eligible ages 40 - 80 years
Qualification is based on answering "No" to two simple health questions
If death occurs due to natural causes within the first two years, Settlers Life will pay the total of premiums paid plus 10%.
If death occurs due to an accident as defined within the policy during the first two years, Settlers Life will pay the full death benefit. After the first two years, if death occurs due to natural causes, Settlers Life will pay the full death benefit.
Permanent policy and a level premium, even with increasing age
Policy Series 2014 IMWLP300. Not available in NC. This is an advertisement. Details and forms may vary by state. For policy eligibility and details on coverage, please contact Settlers Life or a Settlers Life Agent.

Modified Plan that offers coverage for those with current health issues REDUCED DEATH BENEFIT FOR TWO YEARS. Only available in NC. The Settlers Life Bronze II Plan is:


A Modified Whole Life Policy which provides a reduced death benefit during the first two years.
Benefits range from $1,000 to $10,000, eligible ages 40 - 75 years
If death occurs due to natural causes within the first two years, Settlers Life will pay the total of premiums paid plus 10%. If death occurs due to an accident as defined within the policy during the first two years, Settlers Life will pay the full death benefit. After the first two years, if death occurs due to natural causes, Settlers Life will pay the full death benefit.
Permanent policy and a level premium, even with increasing age
Policy Series 2014 IMWLP300. This is an advertisement. Details and forms may vary by state. For policy eligibility and details on coverage, please contact Settlers Life or a Settlers Life Agent.
Expand Your Policy Benefits with the Child/Grandchild Benefit & Final Expense Riders

This benefit provides additional coverage for the death of a child or grandchild at no additional cost*.



One-time benefit for the death of a child or grandchild.
Included with all Gold and Silver policies.
Benefit amount is $5,000 or the face amount of the policy, whichever is less.
This is an advertisement. Not available in all states. For policy eligibility and details on coverage, please contact Settlers Life or a Settlers Life Agent. *Added at no additional cost to Gold and Silver policies

Provides coverage in the event that death occurs due to an accident as defined in the rider:



Benefit amounts $1,000 - $100,000; amounts greater than $25,000 available for insureds 40 years and older who request base plan coverage of at least $10,000.
Eligible ages 15 days - 70 years, depending on plan applied for
Rider terminates on the policy anniversary date when the insured's age is 80
This is an advertisement. Details and forms may vary by state. For policy eligibility and details on coverage, please contact Settlers Life or a Settlers Life Agent.

A living benefit included at no charge on Gold and Silver policies with a face amount of $5,000 or more.


Automatically added to Gold and Silver policies with a face amount of $5,000 or more
NO ADDITIONAL COST
Allows application for an accelerated living benefit of up to 75% of the policy death benefit if you are diagnosed after the effective date of your policy's coverage as having a terminal illness with a life expectancy of six months or less; In many (but not all) of our states you may also apply if you are diagnosed as requiring continuous care in a nursing home.
This is an advertisement. Details and forms may vary by state. For policy eligibility and details on coverage, please contact Settlers Life or a Settlers Life Agent. .

Premium Payment Options Banner

 

Lifetime Pay

 

A level premium for the
rest of your life.

    

Most common but may not be the best option.
If slightly larger payments fit in the budget, consider 10-Pay or 20-Pay.

 

10-Pay

 

Paid up policy
in 10 years

 

Slightly higher premiums
Peace of mind in having a paid-up policy in 10 years

 

20-Pay

 

Paid up policy
in 20 years

 

Slightly higher premiums
Difference in monthly premiums for 20-Pay vs. Lifetime pay for younger clients is very small

 

Single Pay

 

One-time premium
payment

    

Immediate peace of mind for clients. 
Not available for Bronze or Bronze II Plans

 

 

The NGL Estate Planning Trust

Provides reassurance that life insurance policy proceeds are protected from creditors, will be used to pay funeral expenses and remaining funds will be paid to the insured's beneficiary of choice.

  • Maximum Face Amount $50,000
  • Excess funds paid to named beneficiary
  • No Fees
  • Funds NOT excluded from assets for Medicaid or SSI spend down until 5 years after assignment

The NGL Funeral Expense Trust

Can immediately protect assets from spend down if qualification for Medicaid, SSI or other public assistance becomes necessary.

  • Funds may be excluded from assets for Medicaid / SSI qualification
  • Maximum Face Amount $15,000 (subject to state restrictions)
  • Excess funds paid to the State Medicaid Recovery Program or to the Estate of the Assignor/Owner
  • No Fees
  • Immediate Transfer optional
  • Not available in all states. 

 The NGL Estate Planning Trust and the NGL Funeral Expense Trust are not available in all states, and where available, are subject to state restrictions on maximum face amount.  Please contact Settlers Life for additional detailed information. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a.k.a. The Guardian or Guardian Life.

 

¹Gold Plan coverage ranges from $2,500 - $50,000. Silver Plan coverage ranges from $1,000 - $25,000.  Bronze Plan coverage ranges from $1,000 - $15,000.  Bronze II Plan coverage ranges from $1,000 - $10,000.  Eligibility is based upon answers to health questions.  Coverage limits based on age apply.
2Accelerated Benefit Rider added AT NO COST to Gold and Silver policies $5,000 or greater. Available in all licensed states. Rider applies if insured's life expectancy due to terminal condition is reduced to six months or less or insured is confined to an eligible nursing home with the expectation that the insured will be there until death. Condition or confinement must be diagnosed by a physician at least thirty (30) days following the Effective Date of the Policy, if caused by illness or disease; and on or after the Effective Date of the Policy, if caused by injury. Both qualifying events are not available in all states. Please refer to the product summary in your state or contact the company to confirm coverage availability, terms and conditions for your state.
3Settlers Life Insurance Company does not pay for or provide care. This is a free informational phone consultation.
4After receipt of required documentation.