Simplified Whole Life Insurance

Up to $50,000 in lifetime protection.
Apply by mail or online now.

  • Choose from $5,000 to $50,000
  • Easy application with no medical exam…just health and other information 
  • Affordable rates guaranteed never to increase
Product and online application not available in all states.

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FREE instant quote.

Plus, get a free information kit by mail.
Tobacco/Nicotine Use
Includes all forms of tobacco and nicotine use within the last 12 months.

We're Sorry

An error has occurred, and we are unable to provide you with an online quote at this time.

To get a quote by phone, please call New York Life at 1-800-361-1741.

Monday - Friday 8 a.m. to 8 p.m. (ET), or Saturday 9 a.m. to 5 p.m. (ET).

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Give your family greater peace of mind with valuable lifelong protection to help cover living expenses or other bills you may leave behind.

Features and Benefits

  • Up to $50,000 in life insurance coverage
  • Valuable protection for your entire life
  • Guaranteed rates that will never increase
  • No waiting period—coverage starts from the day your coverage takes effect

No Medical Exam or Lab Work...Just Health and Other Information

There’s no physical examination or medical tests required…acceptance is based on your answers to health questions and other information you provide or give us permission to obtain.  Most who apply are accepted.

Find Your Guaranteed Monthly Rate Here

  • Men
  • Women
  • Non-Smoker
  • Smoker*
  • Men
  • Women

Premiums above are based on your age at issue. If relevant statements of age or facts are not accurate, New York Life will make a fair adjustment of premiums and/or insurance. Residents of FL: Philip Cavan is a licensed Florida agent for service to Florida residents.

New York Life does not anticipate paying dividends for this product. Products that include dividends are also available.

Request Your Free Information Kit

Get free information including a personalized rate quote and simple application form by mail now.

Get Info by Mail

Common Questions

Will my rates increase as I age?
No. Your rates are guaranteed to never increase.
How long can I keep this life insurance?
You can keep this coverage for your entire life, as long as you pay your premiums on time and your application does not contain any misrepresentations about your medical history.
Your premium payments will end at age 95. Your insurance can never be cancelled without your consent—regardless of your health. Also, since it’s your own individual policy, you will remain covered if you change jobs or retire.
Are there any exclusions or limitations?
Benefits will not be paid for death from suicide in the first two years.*
Will I be required to have a medical exam?

Acceptance is based on your answers to health questions and other information you provide or give us permission to obtain.  However, during the first two years, New York Life reserves the right to cancel your insurance if your Application contains material misrepresentations about your medical history.

What if I answer "yes" to a health question?
Answering “yes” does not automatically disqualify you from coverage. We may contact you to ask for more information or clarification of your answer.
Why do you need my Social Security Number?
New York Life requires your social security number to verify the individual we are insuring.
This assists us in protecting the privacy of your information. Life insurance companies are also required to obtain a taxpayer identification number (which is your social security number) in the event that we release money to you that could be considered taxable.
What happens after I complete my application?
You will be contacted in about 7 to 14 business days regarding your application. If approved, a policy will be mailed to you.
How long does it take for coverage to begin, once my application is approved?
Coverage will take effect on the date shown in your policy – normally seven days after approval of your application. You’ll have full benefits from the day your coverage takes effect.
How does the 30-Day satisfaction guarantee work?
You'll receive a policy when coverage is approved. If you decide this coverage isn't for you, for any reason, you can return it within 30 days and receive a refund.
Why should I choose New York Life Insurance Company?

As one of the oldest and largest mutual life insurance companies in the United States, New York Life has been protecting generations of families for more than 170 years. New York Life has the highest possible ratings for financial strength currently awarded to any life insurer from the leading independent rating services: A.M. Best (A++) Highest Rating, Fitch (AAA) Highest Rating, Standard & Poor’s (AA+) Second-Highest Rating, Moody’s Investors Service (Aaa) Highest Rating. Ratings as of 1/01/17.

What is a mutual insurance company?
It’s a company that is not publicly traded and therefore has no shareholders. Instead, policyholders share in ownership of the company. All New York Life policyholders have the right to expect that our highest priority is to safeguard their interests.
Can I apply for more than $50,000 in coverage?
Yes. New York Life offers a range of coverage amounts and solutions to fit your individual life insurance needs. To discuss your needs, call 1-800-361-1741 Monday – Friday 8 a.m. to 5 p.m., or Saturday 9 a.m. to 5 p.m. Eastern Time. Or simply click here to request a free consultation.
New York Life offers a range of coverage amounts and solutions including:
  • Coverage over $150,000
  • Retirement planning
  • Mortgage protection
  • Long term care insurance
Call 1-800-361-1741

Monday - Friday 8 a.m. to 8 p.m. (ET) or Saturday 9 a.m. to 5 p.m. (ET)

or click here for more information.

Backed by the Strength of New York Life Insurance Company

New York Life Insurance Company has the highest possible ratings for financial strength currently awarded to any

life insurer from the leading independent rating services.



from A.M. Best


"Exceptionally Strong"

from Fitch


"Very Strong"

from Standard & Poor's



from Moody's

Ratings as of 4/01/17

A.M. Best, Fitch and Moody's Investors Service Highest Rating. Standard and Poor's Second-Highest Rating.

† Includes details on costs, eligibility, limitations, and exclusions.
* North Dakota Residents: The suicide exclusion applies only for one year.

Underwriting Information:

In addition to the information that is furnished in the application, we may use your signed authorization to request medical information and prescription drug history from your physician, hospital or other health care provider, MIB, Inc.,  pharmacy, pharmacy benefit manager or medical information retrieval service. We may disclose information we collect about you as required or permitted by law. You have a right of access to certain personal information we maintain in our files about you. 

You may request correction, amendment, or deletion of any information to which you may have access. You may receive a full description of your rights to access, correct, amend, or delete information by writing to us at the address on the application.

Information regarding your insurability will be treated as confidential.  New York Life or its reinsurers may, however, make a brief report to MIB, Inc., a not-for-profit membership organization of insurance companies, which operates an information exchange on behalf of its Members.  If you apply for life or health insurance coverage or a benefits claim is submitted with another MIB Member company, MIB or New York Life will supply that company with the information in its file upon request.

TO request that MIB disclose any information in its file to you, please call 866-692-6901.  If you question the accuracy of the information, you may seek a correction in accordance with federal Fair Credit Reporting Act procedures.  MIB's information office address is 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734, and the website is www.mib.com.

Privacy Notification:

Your privacy is important to New York Life. We maintain physical, electronic and procedural safeguards that meet state and federal laws. Information we collect, such as name and address, about individuals who request additional product information will be shared as allowed by law for normal business administration and related business services within the New York Life Family of Companies and with non-affiliates, such as New York Life Agents and other service providers.
You have the option to tell us not to share your information as follows:
• Within the New York Life Family of Companies to let you know about our other products and services.
• With non-affiliates with which we have joint agreements, such as banks, credit card issuers and online services,
to offer you their products and services.
We will follow your state’s privacy law if that law differs from the policy described in this notice. To request a copy of our complete privacy notice or to request your information not be shared, call [1-800-886-1550]. The choice you make will apply to all the products you purchased from us.
You have the right to access certain information we maintain in our files about you. You may request correction, amendment, or deletion of it. To receive a full description of these rights, write to us at: P.O. Box 31683; Tampa, FL 33631.