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The Everest Package: Whole Life Insurance + Funeral Concierge Service

Underwritten by IA American

Whole Life Insurance

Underwritten by IA American

Whole Life Insurance is coverage you can keep for a lifetime, without your monthly premiums ever increasing regardless of advancing age or declining health. Guaranteed Acceptance coverage available. Apply up to age 85.

Policy Types
  • Immediate Death Benefit
  • Return of Premium Death Benefit
  • Up to Age 85
  • $5,000 - $35,000
Easy to Apply
  • Simple application
  • No medical exam
  • Point-of-sale medical telephone interview
48-Hour Payout*
  • The proceeds of your life insurance may be paid to your beneficiary in as little as 48 hours after death, making the funds quickly available to cover funeral-related or any other expenses.

* Not available during the contestability period defined as the first two policy years.

30 Day Free Look

The Owner may return the policy to the IA American Office for any reason within 30 days of the date of issue. The policy will then be void from its beginning and any premium paid will be refunded. Details are included in the policy document.


Funeral Concierge Service

Independent Expert Assistance

We guide families through a very emotional, complicated and confusing time in their lives. Our 24/7 Funeral Planning Advisors negotiate best prices, personalize the funeral plan, obtain proceeds from life insurance, and more.

  • 24/7 Advisor Assistance
  • Online Planning and Storage Tools
  • Will Prep™ – simple will and estate documents created and stored online
  • Tenzing™ – secure, online document storage vault
  • PriceFinder℠ Research Reports
  • 10-Key Decisions and My Wishes Planning Guides and More


What is the Difference between Whole Life Insurance and Term Life Insurance?

  • Whole Life Insurance is “permanent” life insurance with a premium that never increases, regardless of advancing age or declining health.
    • Whole Life accumulates cash value over time, with a table of cash value amounts contained in your policy document. For this reason, Whole Life premiums are initially higher than Term Life premiums, but in the long run, Whole Life can be much more affordable than Term Life. As long as you pay your Whole Life premiums, your beneficiaries will receive the policy’s full death benefit ‎regardless of how old you are when you die.
  • Term Life Insurance offers a fixed monthly premium for a specific number of years of coverage (e.g. 10 years or 20 years), with the premium increasing in price at each renewal. Term life policies can be referred to as “temporary” life insurance.
    • With Term Life, there is the risk that your renewal premiums will be unaffordable, or that you will reach the maximum policy age and not be eligible to renew your coverage.
  • With Whole Life, you are sharing the risk with the insurance company from the beginning. Your risk is that you will live a long time and pay more premiums than the face value of the policy. The insurance company’s risk is that you will die years before paying premiums equal to the face value of the policy.

This summary is provided as a general source of information, and is not intended to provide insurance, financial, legal, accounting or tax advice. You should consult a professional advisor to obtain advice about your individual situation and the suitability for you of any insurance product.



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Speak to an Everest Advisor

Everest advisors are available 24 hours a day, 7 days a week, to assist with your funeral planning needs.

Call 1-800-913-8318 (toll-free) or outside the U.S. and Canada: 011-1-905-754-1922



Employee Group Clients

Your benefit administrator or human resource department will provide the enrollment code.

Individual Clients

Your enrollment code is provided in your Welcome letter.


Western Life Assurance

The enrollment code is the client’s policy number, which begins with EE, EW, WF, WFM, or WG.


IA American Life Insurance

The enrollment code is “IA” plus the client’s policy number beginning with the number 2.

For assistance, call an Advisor, 24/7, 1-800-913-8318



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