FAQs

We specialize in simple, no-medical-exam life insurance: Term Life, Whole Life (with immediate full coverage), Graded Whole Life (for those with some health issues), and Guaranteed Issue Whole Life (accepts everyone with no health questions).

It’s 100% guaranteed acceptance regardless of health. Perfect for ages 50–85 who want $5,000–$25,000 to cover final expenses. No health questions, no exam, no refusals.

We have plans for almost every situation — from immediate full coverage for healthy people to graded-benefit plans and guaranteed-issue options that still pay out even if you’ve been declined elsewhere.

Yes — 10, 15, 20, or 30-year level term up to $1,000,000+ with no exam for qualified applicants. Premiums stay the same the entire term and it can convert to permanent coverage later.

Your premium never increases, coverage never cancels (as long as premiums are paid), and it builds cash value you can borrow against. Great for lifelong protection and leaving money to loved ones.

Yes — up to age 85 for most plans, including guaranteed-issue options that accept everyone.

No — never. All of our plans use a few quick health questions and instant underwriting. Most people get an approval decision in 7–10 minutes.

Extremely fast. Fill out the short form on our homepage → get real quotes → apply online → most policies are approved and active within 24–48 hours (often the same day).

Depends on age, coverage amount, and health. A healthy 50-year-old can get $250,000 of term for under $30/month, or $10,000 of guaranteed-issue whole life for around $50–$80/month. Use the quote tool on the homepage for your exact price in seconds.

Very often, yes. We have multiple carriers and plans specifically designed for people who’ve been turned down elsewhere.

Just go to www.eternatrustgroup.com answer a few quick questions on the homepage, and see your best options instantly. It takes less than 2 minutes and there’s zero obligation.

As soon as your first premium is paid and the policy is issued — usually within 48 hours of applying.

Yes. Most plans have a 30-day “free look” period for a full refund. After that, you can adjust coverage, reduce it, or cancel anytime (though you may lose built-up cash value).

There’s usually a 30-day grace period. We also send reminders and can help set up automatic payments so you never lapse.

Your beneficiaries simply call the toll-free number on the policy or contact us — we guide them through the quick process. Claims are typically paid within days.

No. All ETIG term policies have level premiums, meaning your price stays the same throughout your entire term.

Absolutely. We can quote and cover multiple family members at the same time — often with family discounts or child riders.

Yes — we only work with A+ rated, nationally recognized carriers that have paid claims for decades.

Yes — everything is encrypted and we only share what the insurance company needs to issue your policy. We are fully compliant with HIPAA, CCPA, and all privacy laws.

Never. You’ll only hear from us about your quote or policy. You can opt out anytime with one click.

Of course. After you get your quotes, you can schedule a quick phone call with a licensed advisor who will answer questions and help you apply — no pressure, no cost.