Affordable Term Life Insurance Made Simple
Protect your family's future with EZ Term Life – guaranteed issue term life insurance with accidental death coverage and valuable member benefits.
Why Choose EZ Term Life?
Guaranteed Coverage
No medical exams. Coverage available to eligible members between ages 18–64 in participating states.
Flexible Benefit Amounts
Choose $10,000, $15,000, or $20,000 in coverage to match your needs and budget.
Affordable Monthly Rates
Competitive group rates through the Affinity Consumer Alliance keep costs low.
Family Coverage Options
Add your spouse and children for extra peace of mind.
Accidental Death Benefit
Extra financial protection in case of a covered accidental injury.
Valuable Member Perks
Includes travel assistance, roadside service, discounts, and more.
Plan Options & Pricing
| Coverage Amount | Ages 18–64 | Ages 65–69 | Ages 70+ |
|---|---|---|---|
| $10,000 | $10,000 | $5,000 + $5,000 | $10,000 |
| $15,000 | $15,000 | $7,500 + $7,500 | $15,000 |
| $20,000 | $20,000 | $10,000 + $10,000 | $20,000 |
Valuable Member Benefits
ICE Tracer
An emergency medical ID and personal health record system that stores vital information securely. First responders can access your details instantly, helping ensure you receive fast and accurate care when every second counts.
GoodTrust
A modern estate planning solution that helps protect your family's future. Create wills, trusts, and directives — plus manage your digital accounts — all in one secure, easy-to-use online platform.
Choice Hotels
Save up to 20% at thousands of hotels nationwide. Whether it's for work or vacation, enjoy discounted stays at Comfort Inn®, Cambria®, Quality Inn®, and other trusted hotel brands.
Emergency Travel Assist
Get 24/7 help when traveling over 100 miles from home. Services include medical evacuation, trip coordination, and assistance with emergencies like lost documents or prescription refills.
CruisesOnly®
Access exclusive cruise discounts backed by a 110% Best Price Guarantee. Choose from thousands of itineraries on the world's top cruise lines, with expert guidance from dedicated cruise consultants.
Perks Program (Abenity)
Enjoy over $4,500 in savings on dining, entertainment, travel, and shopping. From pizza and movie tickets to hotel stays and car rentals, perks are available in more than 10,000 cities.
Roadside Assistance
24/7 help for common vehicle problems, including towing, jump starts, lockouts, and flat tire service. Peace of mind for you and your family — wherever the road takes you.
Safelite® AutoGlass
Save $10 on rock chip repairs and $20 on windshield replacements. Certified technicians deliver quick, reliable service to keep your vehicle safe and your view clear.
Gateway Medicard
A wallet-sized card that stores your essential medical history. Present it to healthcare providers in an emergency for faster, safer treatment when you can't speak for yourself.
Frequently Asked Questions
Who is eligible for coverage?
Coverage is available to eligible members between ages 18–64 in participating states. No medical exams are required for guaranteed issue coverage.
How much coverage can I get?
You can choose from three coverage amounts: $10,000, $15,000, or $20,000. Coverage amounts may vary by age group, with some benefits split between term life and accidental death coverage for certain age ranges.
Is there a waiting period?
Yes, there is a 24-month waiting period for natural death benefits. During this period, accidental death benefits are available immediately, and premiums paid plus interest will be returned if death occurs due to natural causes.
Can I add family members?
Yes, you can add coverage for your spouse and eligible dependent children. Family coverage options provide additional peace of mind for your loved ones.
What states is this available in?
Coverage is available in most US states through participating affinity groups. Please contact us to confirm availability in your specific state and through your qualifying organization.
Important Information
Coverage Details
- • 24-month waiting period applies for natural death benefits
- • Accidental death benefits available immediately
- • Guaranteed issue - no medical exams required
- • Coverage amounts may vary by age group
Exclusions
- • Suicide within 24 months of coverage effective date
- • Death resulting from war or military service
- • Coverage subject to state regulations and availability
- • See certificate for complete terms and conditions
This is a solicitation of insurance. A licensed agent may contact you. Coverage provided through Affinity Consumer Alliance group term life insurance policies. This coverage has limitations and exclusions. For complete details, including costs and coverage information, please refer to the certificate of insurance. Coverage is not available in all states.