Choose Your Insurance Type

Select the type of insurance that best fits your needs and budget. We specialize in ages 45-85 with simplified underwriting and fast approval.

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Fast Approval
24-48 hours
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No Medical Exam
Most policies
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From $20/month
Affordable rates
Most Popular

Final Expense Insurance

Funeral & Burial Cost Protection

$5K - $50K
Coverage Amount
  • โœ“ Ages 45-85 accepted
  • โœ“ No medical exam required
  • โœ“ Starting at $20/month
  • โœ“ 24-48 hour approval
  • โœ“ Guaranteed acceptance options

Term Life Insurance

Temporary High-Value Protection

$100K - $1M+
Coverage Amount
  • โœ“ Most affordable option
  • โœ“ 10, 20, or 30-year terms
  • โœ“ High coverage amounts
  • โœ“ Income replacement
  • โœ“ Convertible to permanent

Whole Life Insurance

Lifetime Protection + Investment

$50K - $1M
Coverage Amount
  • โœ“ Lifetime coverage
  • โœ“ Cash value accumulation
  • โœ“ Fixed premiums
  • โœ“ Tax-advantaged growth
  • โœ“ Investment component

Not Sure Which Type is Right for You?

Our insurance experts will help you compare options and find the perfect coverage for your needs and budget.

Which Insurance Type Should You Choose?

Let us help guide you to the right coverage based on your situation

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Ages 45-85?

Looking for affordable coverage to handle final expenses without burdening your family?

Choose Final Expense
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Building Wealth?

Want life insurance that also builds cash value for investment and tax benefits?

Choose Whole Life
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Young Family?

Need maximum coverage at the lowest cost to protect your family's income?

Choose Term Life

Why Choose Lane Life & Legacy?

We make life insurance simple, affordable, and accessible

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Specialized Expertise

Focusing on ages 45-85 means we understand your unique needs

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Personal Service

Real people, real conversations. No bots or runaround

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A+ Rated Carriers

We only work with financially strong, highly-rated companies

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Fast & Simple

Get approved in 24-48 hours with our streamlined process

Ready to Protect Your Family?

Get personalized quotes from multiple carriers and find the perfect coverage for your needs

โœ“ No obligation โœ“ Free consultation โœ“ Expert guidance