What if I have health conditions?

Most people with managed conditions — diabetes, high blood pressure, even past heart issues — still qualify. We also have guaranteed issue plans that accept everyone with no health questions at all.

How do you find me the best rate?

We compare rates from 15+ carriers for your specific age, health, and coverage amount. Every carrier prices differently — we find the one that gives you the most coverage for your budget.

Do you speak Spanish?

Yes. We're fully bilingual — English and Spanish. You can call, text, or apply in whichever language you're most comfortable with.

Burial & Life Insurance Oregon — No Medical Exam

How It Works

Get Covered in 3 Simple Steps

It's fast, it's simple, most people qualify, and we walk you through every step.

1

We Find You the Best Plan

We compare 15+ carriers and match you to the best coverage for your age, health, and budget. Been turned down before? We work with carriers that cover health conditions other companies won't touch.

2

You Apply Your Way

100% online, over the phone, or in person. Most plans just ask a few simple health questions — some ask none at all. No blood work on most plans. About 20 minutes.

3

You're Covered

Most plans are approved the same day. Your coverage starts right away. Most people are surprised how affordable and simple it was — and wish they hadn't waited so long.

Honoring Your Family's Wishes

Going Home: A Promise You Can Keep

For many families across Oregon, being laid to rest back home isn't just a wish — it's a promise. To México, El Salvador, Guatemala… wherever home is.

Bringing them home can cost $10,000–$20,000.

Your family shouldn’t have to start a GoFundMe or ask for help during the hardest week of their lives.

Help cover:

◆ International transportation and preparation
◆ Funeral services on both sides of the border
◆ Consulate paperwork, permits, and family travel costs

✓ No medical exam
✓ Rate locked in — never increases
✓ Benefits paid tax-free directly to your family
✓ ITIN accepted — no Social Security number needed

This is what burial insurance is built for.

See My Rates →

Multi-generational Latino family together at home

Term Life • For the Years That Matter Most

Protect Your Family's Way of Life

If you’re the one looking into this for your family, you already know why it matters.

Your paycheck covers everything — the house, the groceries, the kids’ school, the car payment. This is the coverage that replaces it if you’re not here. Pick your term — 10, 15, 20, or 30 years — and your family stays on track.

✓ Your rate is locked in for the full term — it never goes up
✓ No medical exam on most plans
✓ Living benefits included — if you’re diagnosed with a terminal or chronic illness, you can access part of your benefit while you’re still alive

And if you outlive the policy? That’s the best outcome — you were there, the mortgage got paid, the kids grew up with you in the house.

See My Rates →

Young family at home with their children — protect your family's way of life

Indexed Universal Life • For Higher Earners

Beyond the 401(k) and Roth IRA

If you’re already maxing your retirement accounts, you’ve probably wondered what else is out there.

There’s a tax-advantaged bucket most people never hear about: permanent life insurance with cash value tied to the S&P 500. When the market goes up, your cash value grows — up to a cap. When it drops, a 0% floor keeps your account from losing to the market. You still have internal policy costs, but your cash value doesn’t go backward because of a bad year on Wall Street.

✓ Grows when the market rises — protected when it falls
✓ Access your money tax-free in retirement — on your schedule, not the government’s
✓ Covers your family now — builds your wealth over time

IUL is a long-game product — 10 to 20+ years. We’ll run your numbers and tell you straight if it doesn’t make sense for your situation.

See If IUL Fits →

Couple in their 40s outside their home — IUL for higher earners

Ages 0–17 • Children’s Whole Life

Give Them Something That Lasts

Whether you’re a parent or a grandparent — this is one of those things you do now so they never have to worry about it later.

Right now your child is young and healthy — and that’s exactly when to lock in their coverage. If they develop a health condition down the road, their rate and their coverage are already set — they walk into adulthood already covered.

✓ Coverage doubles at age 18 — automatically, no health questions
✓ Rate locked for life — it never goes up
✓ Builds cash value they can borrow against — for a car, a down payment, or anything they need

And when they’re ready — getting married, having a baby, buying their first home — they can add more coverage without answering a single health question. You set it up when it was easy.

See Rates for Your Child →

Starts at $10/month • $5K–$50K coverage

Grandfather giving his granddaughter a gift — children's whole life insurance

“A good person leaves an inheritance for their children’s children.”

Proverbs 13:22

What We Offer

Life Insurance for Every Stage — Ages 0 to 85

Pick the situation closest to yours

I want to cover a child or grandchild

Children's Whole Life Insurance

Ages 0–17 • $5K–$50K • From $10/mo
Rate locked for life, never increases
Coverage doubles at age 18 (Gerber plan)

Permanent whole life insurance built for kids and grandkids. Purchased by a parent or grandparent, it locks in today's lowest-ever rate, builds guaranteed cash value over decades, and guarantees the child can buy more coverage later in life without answering medical questions. Ownership transfers to the child at age 21. See rates side by side in 60 seconds with our children's WL calculator.

See My Rates → Learn More

My family depends on my income

Term Life Insurance

Ages 18–70 • $100K–$2M
Locks your rate 10, 15, 20, or 30 years
No exam up to $1M for most healthy applicants

The most coverage for the least money — period. Pick your term and your family stays on track if something happens to you. Mortgage, bills, the kids’ school — it all stays covered. Most plans include living benefits at no extra cost — access part of your benefit early if you’re diagnosed with a terminal or chronic illness.

See My Rates → Learn More

I've maxed my 401(k) and want more room

Indexed Universal Life (IUL)

Ages 20–65 • Higher earners
Permanent coverage + tax-advantaged cash value
S&P 500 credits with 0% floor (no market losses)

IUL adds a tax-advantaged bucket beyond your 401(k) and Roth IRA — permanent life insurance with cash value that grows with S&P 500 index credits up to a cap and is protected from market drops by a 0% floor. A long-game product (10–20+ year commitment) best for higher earners who already fund retirement accounts to the limit. Requires a professional illustration to design properly — that's why we walk you through it personally.

See If IUL Fits → Learn More

I want to cover my final expenses

Burial Insurance

Ages 18–85 • $2K–$50K
No medical exam • Day-one coverage
Rate locked for life, never increases

Permanent whole life insurance — also called final expense insurance — built for one job: making sure your funeral and final bills don't fall on your family. Your rate locks in for life and never increases. Most plans approve same-day through a short health questionnaire — no medical exam, no blood work. A guaranteed-acceptance option is available for those with serious health conditions. See what you'd pay in 60 seconds with our rate calculator.

See My Rates → Learn More

Accidental Death Coverage

One of the most affordable coverages you can get — and almost everyone qualifies.

Accidents happen every day. We all know someone who passed from one. Accidental death coverage pays your family a tax-free check if you pass from an accident. If you don’t have any coverage yet, this is an easy place to start.

✓ Everyone is approved ages 18–70 — no exam, no health questions
✓ Up to $500,000 in coverage
✓ Pays 50% extra for car accidents — driver, passenger, or pedestrian
✓ Double payout on planes, trains, and public buses
✓ Covered as soon as the next business day

Simple protection for something no one plans for. Plans start at $10.29/mo.

See Your Rate

Select your gender

Your Age 45

1870

Coverage Amount $100,000

$50K$500K

Estimated Monthly Cost

$16.19/mo

Coverage can be active in 24 hours • Approval based only on age

📞 Speak to a Licensed Agent

What Our Clients Say

5-Star Reviews From Families We've Helped

★★★★★

"I found him to be a very caring, understanding person... finding me a life insurance policy I could afford."

Charlotte P.

★★★★★

"They made everything easy to understand. I finally have coverage and don't have to worry about leaving my kids with a bill."

Maria G.

★★★★★

"I'm 72 and thought I couldn't get covered. They found me a plan. Very Grateful."

Glenda T.

★★★★★

"Incredibly pleased as I received amazing service from Gilbert Lopez. He was so patient and kind."

Sophine W.

★★★★★

"Gilbert has always taken the time to explain to me exactly what he is offering and giving me the options that suit my needs."

Leslie C.

See All Google Reviews

Common Questions

Frequently Asked Questions

Do I need a medical exam to get covered?

Usually no. Most plans just ask a few health questions over the phone — no exam, no blood work. If a plan does require one, we'll let you know before we start.

Can I get life insurance with a pre-existing condition?

Most of our clients take medication for blood pressure, cholesterol, diabetes — that's normal. We work with carriers that approve these conditions every day. If your health is more serious, we have guaranteed-acceptance plans with no health questions at all.

How much does life insurance cost?

It depends on your age, health, and how much coverage you need. Final expense plans start around $20–$40/month for most people. Term life for a healthy 35-year-old can be under $25/month for $250K. The fastest way to see your price is our free rate calculator.

Am I too old to get covered?

We cover ages 0 to 85. Most of our clients are in their 50s, 60s, and 70s. Age doesn't disqualify you — we have plans designed specifically for seniors.

How fast can I get approved?

Most of our clients are approved the same day. The entire process — from your first call to active coverage — usually takes about 20–30 minutes. No waiting, no follow-up appointments.

Can my rate go up later?

No. With whole life (burial insurance), your rate is locked in for life. It never increases, and your coverage never decreases. Term life rates are also locked for the length of your term (10, 15, 20, or 30 years).

What's the difference between term and whole life insurance?

Term life covers you for a set period (10, 15, 20, or 30 years) — it's the most coverage for the least money. Whole life covers you for your entire life and your rate never changes. Most families use term to protect their mortgage and income, and whole life for final expenses.

Learn More