Check My Options

Three Ways To Get Covered

Call, request options, or apply online. Same carriers, same licensed agents, no added cost — and the graded benefit shown before you sign.

Illustrative photo.

Three Ways In

Choose How You Want To Do This

Talk To A Licensed Agent

Ten minutes. We check whether you can get a policy with full benefits from day one before we sell you a graded one. Business hours, Eastern time.

Call 561-339-0727

Request Options In 60 Seconds

Age, state, amount, one health question. A licensed agent texts or emails your options — guaranteed issue and anything better you qualify for.

Check My Options

Apply On My Own

Open our carrier tool, answer a few screens, get a decision online. Guaranteed issue has no health questions; the graded benefit is shown before you sign.

You will leave this site for a carrier tool. Rates shown there are estimates until the carrier confirms. Agent of record: Phamella Bauer (NPN 22053821), NovaVida Group.

Guaranteed Issue Whole Life · Fidelity Life (InstaBrain)Ages 50–85 · up to $25,000 · no health questions · three-year graded death benefit (full benefit for accidental death) · not available in NY or WY

Apply — Guaranteed Issue

Final Expense Whole Life · Fidelity Life (InstaBrain)A few health questions · full benefit from day one if approved · usually less per $1,000 than guaranteed issue — try this first if your health is managed

Apply — Final Expense

Accidental Death Benefit · Fidelity Life (InstaBrain)Pays only for accidental death · no health questions · larger amounts for a small premium · not a substitute for life insurance

Apply — Accidental Death

Mutual of Omaha, Gerber Life, Corebridge and the other carriers in our table are quoted by an agent — call 561-339-0727.

60 Seconds

Request My Options

First name

Last name

Mobile phone

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Your age

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Could you answer a few health questions?

Who is this policy for?

Best time to call

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Anything we should know (optional)

By checking this box and clicking "Check My Options," I electronically sign and give my prior express written consent for Vitality Health Advisors LLC (dba NovaVida Group) and its licensed insurance agents to contact me at the phone number and email I provided about guaranteed issue life insurance, final expense life insurance and related products — including by live calls, text messages and emails, and including calls or texts placed with an automatic telephone dialing system, artificial or prerecorded voice, or AI-generated voice — even if my number is on a federal, state or company Do Not Call list. I understand that my consent is not a condition of purchasing any goods or services and that I can get help without it by calling 561-339-0727; that message and data rates may apply; that I may receive up to 6 messages per month; and that I can revoke consent at any time by replying STOP (or HELP for help), by emailing Compliance@NovavidaGroup.com, or by calling 561-339-0727. My information will be provided to a licensed insurance agent for future contact; it will not be sold or shared with any other company. Calls may be recorded. I agree to the Privacy Policy and Terms.

We never ask for your Social Security number, bank details or medical records on this form.