Services
NC Life Insurance That Actually Works For YOU!
Skip the medical exams and red tape – get matched with the perfect policy in minutes, not months.
01
Accelerated Underwriting (No-Exam) Life Insurance
Simplified term or permanent coverage with just health questions – no doctor visits. While approval is faster (often instant), premiums may be slightly higher than traditional policies. Ideal for those with minor health issues or needing smaller coverage amounts ($50K−$250K).
02
Final Expense/Burial Insurance
Permanent $10K−$50K policies with fixed premiums, designed to cover funeral costs and debts. No medical exams required, making it accessible for seniors and those with health conditions.
03
Guaranteed Issue Life Insurance
Coverage guaranteed for ages 45-85, with no exams but some medical record reviews. Lower coverage amounts ($5K−$25K) and possible graded benefits (partial payouts in early years).
02
Convertible Term with Living Benefits
Affordable 10-30 year terms that convert to permanent coverage later. Includes critical illness riders – access up to 75% of your death benefit if diagnosed with cancer, stroke, etc.
03
Cash Value Life Insurance
Whole Life, Universal Life, and Indexed UL policies that grow tax-deferred cash value. Access funds for emergencies or retirement, with lifetime coverage options.
When Cancer Struck, His Policy Responded in DAYS
I’m a technician from King, NC – never thought I’d need life insurance benefits while I was still breathing. But just 4 months after buying my $350,000 indexed universal life policy through YourFEX, I got diagnosed with stage 3 colon cancer.
Within 72 hours of submitting my claim, I received $262,500 (75% of my death benefit) to cover: mortgage payments while I couldn’t work, treatments not fully covered by health insurance, and daily living expenses for my family.
Those living benefits let me focus on chemo instead of bills during the toughest 16 months of my life.
Today I’m in remission, and my family still has $87,500 in remaining coverage. This wasn’t just a policy – it was our financial lifeline.
– Joe B. with his family in King, NC | $262,500 accessed from IUL policy
Joe’s story isn’t unique – 1 in 2 men and 1 in 3 women face critical illness. Don’t wait until it’s too late.