Life Insurance Plans
Explore the life insurance options available through All Solution Plus. Understand the difference between temporary and permanent cover, what underwriting involves, and how much cover actually makes sense for your situation.
Most people need less complexity than they are sold
Life insurance answers one question: if your income stopped tomorrow, who would struggle, and for how long? The answer usually points to a fairly simple calculation — outstanding debts, the mortgage, and enough to replace your income for the years your family would need it.
For the majority of households, term cover handles that at the lowest cost. Permanent policies build cash value and last for life, which suits specific needs such as estate planning, a lifelong dependant, or final expenses. Both have a place; the mistake is buying the complicated one when the simple one would have done.
Types of life cover
The first decision is temporary versus permanent. Everything else follows from that.
Term life
Cover for a set period, commonly ten to thirty years. The cheapest way to buy a large death benefit, and it expires with no value if you outlive it.
Whole life
Permanent cover with a guaranteed death benefit and cash value that grows at a set rate. Predictable, and considerably more expensive than term.
Universal life
Permanent cover with flexible premiums and an adjustable death benefit. More flexibility, and more that can go wrong if it is underfunded.
Indexed universal life
Cash value growth linked to an index, subject to caps and floors. Complex, and the illustrations deserve careful scrutiny.
Final expense
Small whole life policies designed to cover funeral and burial costs. Simplified underwriting, often no medical exam.
Guaranteed issue
No health questions and no exam, but small benefit amounts, higher cost, and a waiting period before full benefits are payable.
What you will find on every carrier page
Each carrier we work with has its own page collecting the details clients ask for most.
Member portal access
Sign in to view your policy, download documents, and update details with the carrier.
Premium payments
Direct links to pay a premium, set up autopay, or confirm a payment has cleared.
Carrier phone support
Verified numbers so you reach the right department first time.
Policy documents
Schedules, exclusions and network details for the policy you actually hold.
Common questions
How much cover do I need?
A common starting point is ten to twelve times annual income, adjusted for debts, the mortgage, and how many years children remain dependent. It is a calculation, not a guess, and an agent can run it with you.
Term or permanent?
If you need cover for a defined period — while children grow up or a mortgage is paid down — term is usually the right answer and costs far less. Permanent makes sense for lifelong needs such as estate liquidity or a dependant with special needs.
Will I need a medical exam?
Not always. Many carriers now offer accelerated underwriting for healthy applicants at moderate face amounts, using data rather than a paramedical visit. Simplified and guaranteed issue products skip the exam but cost more.
What if I have a health condition?
It usually affects price rather than eligibility. Different carriers underwrite conditions very differently, which is where an independent agent helps — the same applicant can get quite different offers.
Can I convert term to permanent later?
Many term policies include a conversion option letting you switch to permanent cover without new underwriting, within a stated window. If that matters to you, check it before you buy.
Want an honest figure rather than a sales pitch?
Tell us who depends on your income, what you owe, and for how long. A licensed agent will work out a sensible amount and show you what it costs across carriers — including when term is plainly the better answer.
All Solution Plus is a licensed insurance agency. We do not offer every product available in your area. Policy availability, premiums, riders, underwriting requirements and issue ages vary by state and carrier. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Policy benefits are subject to the terms, conditions and exclusions of the contract, including any contestability and suicide provisions. This page is general information and not investment, tax or legal advice.