Insurance Solutions for Every Stage of Life

Lifetime coverage, burial insurance, or temporary family protection. We will help you figure out which one makes sense.

Permanent coverage that lasts your entire lifetime with guaranteed cash value growth and fixed premiums that never increase.

Covers funeral and burial costs so your family does not have to come up with the money on short notice.

Maximum coverage at the lowest cost. Protect your family with flexible terms from 10 to 30 years for mortgages, income, and more.

Flexible premiums, a death benefit, and cash value tied to market index performance. Built for long-term wealth building.

Why Families Choose Patriot American Benefits

Many of our plans require no medical exam. Just answer a few simple questions and get covered.

On most plans, your policy is active immediately. Waiting periods may apply to guaranteed acceptance plans.

We shop 13 carriers to get you the best rate. Call for a quote.

Coverage options from 25 to 85 years old for most health conditions.

Feature	Whole Life	Final Expense	Term Life
Coverage	$25K - $500K+	$5K - $25K	$100K - $1M+
Duration	Lifetime	Lifetime	10-30 years
Cash Value	Yes, grows over time	Small, grows slowly	No
Medical Exam	Sometimes required	No	Usually required
Best For	Estate planning, wealth transfer	Seniors, burial costs	Young families, mortgages
Starting Premium	Call for quote	Call for quote	Call for quote