Why SBLI Life Insurance?

SBLI was founded in 1907 and has a rich history, with the founder being Supreme Court Justice Louis Brandeis. SBLI really does stand out in the life insurance market, not just for its A (Excellent) AM Best rating, but also for its additional features like Accelerated Underwriting and LegacyShield.

Accelerated Underwriting

Our fastest, most hassle-free process for ages 18-60. Apply by phone for up to $500,000 of life insurance coverage with no medical exam.

  • Everyone age 60 and under is eligible, no matter their risk class, for $500,000 or less in term and whole life insurance
  • All applications require only a telephone interview
  • No medical exam required
  • You can start with a quote and apply online
  • Nearly half of all policy decisions are made within one week of applying

With Accelerated Underwriting, there’s no medical exam and nearly half of all policy decisions are made within a week of applying.


Give your loved ones an added measure of security with this innovative offering.

All of our customers are eligible to receive a free subscription to LegacyShield’s Life’s Mission Control®, a highly-secure digital tool which can help you protect what’s most important to you and your loved ones.

Life’s Mission Control features four unique, easy-to-use services which can help you not only create a lasting legacy, but also make sure that your loved ones can find everything you’ve left for them when the time is right.

With Life’s Mission Control, you can:

  • Store all of your documents, final wishes, family photos, videos, and more
  • Consolidate and view all of your financial accounts in one convenient dashboard
  • Create documents for your estate plan, including your will, power of attorney, HIPAA authorization, and advance directive
  • Estimate tax refunds and insurance and retirement needs

An automated notification system will alert your family where they can find everything you’ve left for them in Life’s Mission Control.

SBLI Term Life Insurance

Reliable protection for your loved ones at a very affordable price.

  • Low cost
  • Premiums never change for the period you select
  • Policies $500,000 and under for ages 18-60 require no medical exam
  • Federal income tax-free death benefit
  • Option to convert to permanent life insurance (whole life insurance or universal life insurance) without a medical exam

SmartTerm 360

A group of term policies carefully arranged to fit your coverage needs as they evolve over time.

If you think your protection needs will change during your lifetime, why not get coverage that changes with your needs? That’s exactly why we designed SmartTerm 360. It’s a group of term policies that are arranged to fit your coverage needs as they evolve over time.

With SmartTerm 360, since you’re not paying for coverage you don’t need, you end up paying much less over the life of the policy—up to 30% to 50% less than traditional term life insurance!

YEARS 1-10

  • 30 Years of mortgage
  • Education costs
  • Childcare expenses
  • 30 years of replacement income

YEARS 10-20

  • 20 Years of mortgage
  • Education costs
  • 20 years of replacement income

YEARS 20-30

  • 10 Years of mortgage
  • Education costs
  • 10 years of replacement income

Monthly dollar amounts above represent your monthly premium. New approach uses three $500,000 guaranteed level premium term policies (10-year, 20-year, and 30-year).

SmartTerm 360:

  • Adjusts to fit your lifetime needs
  • Saves you money by keeping you from being over-insured
  • Provides more precise protection
  • Federal income tax-free death benefit

SBLI Whole Life Insurance

Permanent insurance with a lifetime guarantee. As the name suggests, whole life insurance stays in place your whole life. It’s guaranteed to never expire, as long as you pay your premiums. And, those premiums are guaranteed to never increase. It’s a smart way to ensure your family receives a death benefit no matter how long you live.

Reasons to consider whole life insurance:

  • Coverage is guaranteed to never expire
  • Premiums are guaranteed to never increase
  • Cash value will grow over time
  • Guaranteed tax-free death benefit
  • The ability to borrow from the policy’s cash value while you’re alive
  • A variety of premium payment schedules

SBLI Life State Availability

SBLI is available in all states.

New to Senior Market Life Insurance Sales?

Life insurance sales don't have to be overwhelming! In fact, we do everything we can to make it easy here at New Horizons.

Check out the Quick Training Guide available as part of the Life Insurance Marketing Kit:

In addition, a great place to start is our Ultimate Guide to Selling Life Insurance in the Senior Market.