Answers, with clarity.

Whole life protection explained — transparent, respectful, and simple. If you’re ready, you can request options in under a minute.

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Secure No obligation Carrier-backed options

Clarity

Simple answers. No pressure.

Responsibility

Coverage that fits the real plan.

Legacy

Protect family and future stability.

Carrier options we may match you with

We work as an independent brokerage and may compare options across multiple well-known carriers. Availability varies by state and eligibility.

Mutual of Omaha

Transamerica

AIG

Protective Life

Foresters Financial

Americo

Gerber Life

Principal

Globe Life

Carrier availability varies by location and eligibility. Some products may be offered through licensed agents and appointed carriers.

Underwriting and medical exams

Requirements vary by carrier, product, and eligibility. Here’s what to expect in plain language.

Simplified underwriting (may apply for certain amounts)

For some policies—often up to $250,000—you may be able to apply without a traditional medical exam. Instead, the carrier may use a short health questionnaire and may review other sources such as prescription history and available medical records to determine eligibility and pricing.

Not everyone qualifies. Requirements, rate classes, and available amounts vary by carrier, state, age, and health history.

How it works

Simple. Clean. No pressure.

Answer a few questions

We collect only what’s needed to estimate your options.

We match carrier options

We compare available products and underwriting styles.

You receive a summary

We send next steps and a clear coverage direction.

Frequently asked questions

Tap a question to expand.

Coverage basics

Whole life vs. term — what’s the difference?

Whole life is permanent coverage with guarantees and cash value features. Term is temporary coverage for a set number of years. We focus on structured whole life solutions designed for long-term stability.

What is final expense coverage?

Final expense is coverage intended to help with funeral costs, medical bills, and end-of-life expenses. It’s commonly selected in smaller amounts like $5,000–$25,000 depending on goals.

How long does whole life coverage last?

Whole life coverage is designed to last for your lifetime as long as premiums are paid according to the policy terms.

Can I adjust coverage later?

Many policies allow changes or additional coverage options depending on carrier rules and eligibility. We’ll guide you through what’s flexible and what’s locked in.

Pricing & eligibility

What determines my rate?

Pricing commonly depends on age, location (ZIP/state), tobacco/nicotine use, health history, and coverage amount. Some carriers also consider prescription history and available records as part of underwriting.

Do I need a medical exam?

Not always. Some products may use simplified underwriting (no traditional exam), while others may require additional steps. It depends on carrier, amount, and eligibility.

Application process

How fast will I receive options?

Many requests can be reviewed quickly. If the carrier needs additional verification, we’ll let you know exactly what’s required and why.

What happens after I submit my quote request?

You’ll receive a confirmation and the next steps. In some cases, a licensed agent may follow up briefly to confirm details and present the best available options.

Will someone call me?

Possibly — but respectfully. If we need to verify details or if you request assistance, a licensed agent may reach out. You can also choose email-only updates when available.

When does coverage start?

Coverage typically starts after the application is approved and the policy is placed in force, which may include initial payment per carrier requirements.

Privacy & security

Is my information secure?

We use standard security practices to protect your information and only collect what’s needed to process your request.

Do you sell my information?

We don’t build our business on reselling your data. Information is used to service your request and coordinate coverage options with carriers and licensed agents as needed.

Can I opt out of messages?

Yes. You can opt out of SMS or email communications at any time using the instructions provided in the message.

About Medici

Are you the insurance company?

We’re a brokerage. That means we help you compare available options from multiple carriers rather than offering only one company’s products.

Who underwrites the policy?

The carrier you select underwrites and issues the policy. Some products may be underwritten by United of Omaha Life Insurance Company, depending on eligibility and selection.

Ready to see options tailored to you?

Answer a few questions and we’ll send next steps and coverage direction.

Get My Quote Call 855-966-1204

Coverage availability varies by state. Submission does not guarantee coverage. Quotes are estimates and may require additional verification.