Frequently Asked Questions.

We’re able to offer coverage to US Citizens and Green Card Holders at this time.

As a customer, you are covered by some of the most trusted names in the industry, North American Company for Life and Health Insurance, Sammons Financial Group and Munich Re Group. All are rated A+ (Superior) by A.M. Best.

All policies are issued through Life Insurance Services, LLC., an independent agent and third-party administrator which handles underwriting, application processing, sales and customer support. Our partner, North American Company for Life and Health Insurance provides and issues the policy and will process and pay the claim if everything verifies.

Applicants answer questions about their lifestyle and health through our simple online form. Our in-house underwriting platform instantly processes that data through our encrypted channels in a method called accelerated underwriting. This intelligent framework enables us to fully assess the risk of each applicant individually, without a medical exam, to get an underwriting decision instantly. Approved applicants get real rates, not quotes, at an affordable monthly price.

No. When it’s done, it’s done. You’re invited and encouraged to apply for a new policy before yours expires to ensure uninterrupted coverage.

We sure think there is. Out application process is entirely online. Seriously, 100%. Many companies offer an indicative quote online, but then refer applicants to an agent or doctor in order to finish the application process. Other online life insurance companies may still require a medical exam for certain coverage amounts or applicants. With us, every applicant gets a decision in minutes.

Each policy has a 30-day free look period. This means that you are eligible for a full refund if you cancel within the first 30 days after purchasing. If you ever can’t afford to make a premium payment, your coverage will continue through through a “grace period” of 60 days from the date of your last payment. As long as your premium is paid during the grace period, coverage remains uninterrupted.

Any missed premiums throughout the term are deducted from the death benefit in the even of a claim.

Anyone between the ages of 21 and 55 may apply for coverage.

To start a quote, simply click HERE.

We’ve created a simple, online quote tool where you can get started. Enter your gender, birthdate, height, weight and state of residence to receive an estimate. If you like what you see, you can continue to apply.

We want to assure you that a pandemic is not among the limited exclusions (reasons a claim would not be paid) in the life insurance policies offered by ClarenCare. The two primary exclusions are death by suicide within the first two years of the policy, or providing untruthful information during the application process. Please refer to your policy for a full list of exclusions.

At this time, there are no riders on the policies that we offer through our online quote form. We’re working hard to expand our options for you and your families, so check back often.

If you are between 21 and 55 years old, have never had a felony and are in generally good health, then we encourage you to apply!

At this time, our online quote form only offers 10 year and 20 year term policies. The 20 year term is available for those under 45 years old.

If you are interested in a 30 year policy, submit a request form HERE and we will contact you directly to discuss your options through our carriers.

ClarenCare is the marketing arm of Life Insurance Services, LLC., a licensed insurance agency.