Physicians Life Insurance Company® —
a member of the Physicians Mutual family
Get Affordable
Life Insurance
Get Affordable
Life Insurance
Protection your family can count on
You can apply now for up to $30,000 of modified whole life insurance to help your family during a very difficult time.
Guaranteed coverage — as long as you’re age 45-85, you cannot be turned down for one of these insurance policies.
Up to $30,000 — this is money your loved ones will appreciate, especially considering the average cost of a funeral is $7,848.*
Easy to apply — this coverage has no health questions and no medical exam.
* ”NFDA Statistics,” National Funeral Directors Association, NFDA.org, October 23, 2023
See our high customer satisfaction and Forbes ratings
Physicians Mutual has a 95% customer satisfaction rating
Physicians Mutual® Customer Satisfaction Survey, 2022, conducted by Wiese Research Associates
Forbes names Physicians Mutual one of America’s Best Insurance Companies for 2024
“America’s Best Insurance Companies,” Forbes.com, September 26, 2023. This rating is for our permanent life insurance product.
Why is this coverage important?
This affordable life insurance can help give your family peace of mind.
Your guaranteed protection can be used to help pay for:
Funeral, memorial service or celebration of life
Medical bills, credit cards, car payments, mortgage, rent or any other expenses you might leave behind
Inheritance or legacy
Help your family even more
A preventable-injury-related death occurs every two minutes in the United States.1
1. “Preventable Deaths: Minute by Minute,” National Safety Council, injuryfacts.nsc.org, 2021
It happens more than you might think: Someone dies in an accident and their family suddenly has to pay for unexpected final expenses. If this were to happen to you, would your family be financially prepared?
Good news! You can increase your benefits by up to $40,000 for less than $11.00 per month for a covered accidental death. It’s as easy as adding the Accidental Death and Dismemberment rider to your life insurance policy.
This rider pays benefits on top of your life insurance benefits.
It’s easy! Just look for the “Accidental Death Benefit Amount” at the beginning of your application and select the amount of coverage you want.
Enjoy lower rates
Careful shoppers like to make sure they’re getting good value for their hard-earned money. Don’t pay more for coverage — compare our rates against the competition!
Based on a sampling of 2023 market research, Physicians Life has lower rates than the three biggest names in the business. For example, take a look at the monthly rate differences for a 65-year-old female with a $10,000 benefit amount. You’ll see that our rates are lower than the competition!
Monthly rates shown above are based on a sampling of 2023 market research. Rate competitiveness may vary depending on actual age. Companies shown are representative of the guarantee issue, modified whole life market.
Reliable coverage with value
Lowest rate locked in
Save by locking in your lowest rate today — if you wait, your rate will increase as you age.
Lifetime protection
This is permanent protection that is guaranteed to last a lifetime, as long as premiums are paid on time.
Builds cash value
This life insurance gives you the added benefit of cash value as it matures. It is a living benefit you can borrow against later on, if needed in an emergency.
Other life insurance options
Term life insurance
Term life insurance can provide a higher benefit amount for a specific amount of time at a more economical price.
Learn MoreChildren's life insurance
Children’s whole life insurance is permanent protection that can stay and grow with them throughout their life.
Learn MoreYou have 31 days to look over your policy, no obligation!
Agent/Producer Debbie C. with customer Lynn R.
Talk to one of our friendly representatives!
They can answer any questions and help you choose the right coverage for you and your family.
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Our customers say it best
My husband and I have had life insurance with you for years. When he passed away, claims were paid quickly and without hesitation. Physicians Life Insurance Company is a company that can be trusted to do what they say they will. I just bought a fourth policy because I know your service is excellent. Thank you, Physicians Life!
My family and I want to thank Physicians Life Insurance Company for honoring my late husband by planting a tree in his memory. Geary would have loved this. He loved nature!
Thanks again for your thoughtfulness.
I’ve been a member of the Physicians Mutual family for more than 20 years.
When my husband passed away in 2007, I received the life insurance money very quickly. I really appreciated your help and quickness in handling his claim. It was a positive experience in a stressful, heartbreaking time.
Thanks again.
See what others are saying ...
Strength and stability
Reliable and secure
A.M. Best rates Physicians Life Insurance Company A (Excellent) for financial strength and ability to meet obligations to customers.
Assets and claims
Physicians Life Insurance Company has $1.78 billion in assets and $173.6 million in total claims paid annually.
Est. 1902
Physicians Mutual Insurance Company has a longstanding history of stability. The Company was founded in 1902 and Physicians Life Insurance Company formed in 1970.
Get your free Information Kit — now including a final wishes planner
You’ll get even more details about this coverage, so you can make the best decision for you and your loved ones.
Additional resources
Learn more about the different types of life insurance, how to buy life insurance, and more.
