Get coverage in 3 simple steps
Get a quote
Tell us a little about yourself, and we’ll instantly show you estimated rates for policies built around your needs.
Apply in minutes
Our secure, online application takes about 5 minutes. No paperwork, no scheduling, no medical tests — just clear questions and instant guidance.
Get covered
Once submitted, we review your application using smart underwriting technology. Many applicants receive immediate decisions. If approved, activate your coverage right away.
What to expect when you apply
We keep the process transparent from start to finish. Answer a few simple questions and let our technology match you with the most suitable coverage options.
How do we determine your best policy?
It starts with age and your coverage goals:
Ages 66–85: Eligible for our Guaranteed Issue Whole Life policy — no medical questions, automatic approval.
Ages 20–65: Eligible for our Term Life policies. Smart underwriting helps us offer options tailored to your health, lifestyle, and financial needs.
Who can apply?
All U.S. citizens and permanent residents ages 20 to 85.
Eterna trust insurance group is licensed in 35 states including California & New York
EternaTrust insurance Group is operating in New York as ETI Services LLC and as EternaSure Insurance Services in California
What you’ll need
To make the process as quick as possible, keep these details ready:
- Driver’s license
- Social Security number (for identity verification)
- Personal & family medical history
- Current prescription information
- Banking details for your first premium
Why we ask for this information
To offer instant, exam-free decisions, we verify your identity in real time and use your medical and prescription history to understand your health profile — without requiring lab work or in-person evaluations.
Changing your mind? No problem.
You can exit the application at any time without penalty. Before issuing a policy, we’ll show you your exact coverage amount and premium. Only accept when you’re ready.
Every policy also includes a 30-day money-back guarantee.
Application Details & Policy Management
What questions will you be asked?
Ages 66–85: Only a few simple eligibility questions.
/ Term Life applicants (20–65):
- Health and medical background
- Legal and driving history
- Employment and income
- Lifestyle & hobbies
- History of tobacco, alcohol, or drug use
Still quick. Still fully online. Still exam-free.
How do claims and payouts work?
If you pass away while your policy is active, your beneficiary files a claim with the insurance carrier. After review, the carrier issues a lump-sum payout equal to your policy’s death benefit.
Example: A $250,000 policy pays out $250,000.
Exclusions — what you should know
Claims may be denied for reasons such as:
- Fraud or misrepresentation in the application
- Suicide within the first two years of the policy (varies by state)
Being truthful on your application ensures smooth approvals and stress-free claims.