Humania Assurance

Humania Assurance is the former insurance arm of LS Mutual, and has been in operation for over 75 years. Humania Assurance offers Insurance Without Medical Exam, a simplified issue life insurance plan in 10 or 20 year terms. Insurance Without Medical Exam only requires answering six health questions in order to qualify

Insurance Without Medical Exam Plan:

  • Available for those ages 18 to 60, and renewable to age 70.

  • No Medical Exam is required, only 6 questions to qualify.

  • Coverage ranges from $5,000 to $100,000.

  • Choice of 10 or 20 year term, with fixed premium rates for the length of the term.

  • Optional Return of Premiums rider for term 20, refunding 75% of paid premiums if no claim is made.

  • Additional 11 health questions are used to determine preferred premium rates.