Our Sweet 16 Life Insurance Companies

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Happy Clients

“Don’t know if you remember me, but I received my policy today, and I am very pleased. I want to Thank You for assisting to make this a very pleasant and… read more

Carolyn L, Louisiana

16 19 Life Insurance Companies We Love To Use

Since this page was written, we have been adding new companies and products to our portfolio. While we still use our “sweet 16 life insurance companies” below, I am adding to the TOP of this page some new products that have been making our clients VERY HAPPY.


Gerber offers a guaranteed issue policy for persons aged 50-80 in nearly every state, including NY. Guaranteed issue means you cannot be declined for health reasons. They do not even ask about weight or health issues.

When paying by auto draft from a checking account, Gerber will give you a discount that amounts to the  equivalent of paying one less monthly premium per year.  This makes Gerber a highly competitive policy for which everyone in that age range can qualify.

With so many of Outlook Life’s patrons having health issues, we are very excited to offer Gerber for those who need an option like this.


Safe Harbor Term is an incredibly low priced policy with perks galore. There is no blood test required for faces amounts under $1,000,001 and NO EXAM AT ALL for face amounts under $400,001. Even 75 years old’s can qualify for 10 year term, and persons up to age 55 can get 30 year term coverage.

It is difficult to find very small term policies, but Safe Harbor Express can be obtained in amounts as low as $25,000. On top of everything else, Safe Harbor Term offers “living benefits” enabling you to use up to 95% of the face amount while you are still alive, in some situations.

For people who want to don’t want to take an exam but also don’t want to pay outrageous prices, Safe Harbor Term is a great choice.


We now offer several simplified issue whole life policies that are excellent for final expense needs. They do not require any exam. If you would pass away shortly after purchasing one of these policies, your beneficiary would receive the FULL death benefit, as these policies are not graded and do not have a waiting period.

Another big plus to these policies is that their rates are guaranteed to never go up for the rest of your life. They also have cash value, so that if you would need to quit paying the premium some years down the road, you should have a small reduced paid up policy to keep, without losing everything you paid in.

As with all the policies above, people with many health conditions can qualify. If you are looking for final expense coverage, you have come to the right place.


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Below are the original “Sweet 16 Insurance Companies” offered by Outlook Life (in alphabetical order):

American General Life Insurance Companies

“In life, the unexpected is to be expected”, is one of American General’s mottos. This highly rated company …(read more)

AXA Equitable Life Insurance Company

AXA Equitable Life Insurance Company has been in business since 1859, and is headquartered in New York, NY. AXA is…(read more)

Banner Life Insurance Company

Banner Life Insurance Company is in the business of providing financial protection through life insurance for families… (read more)

Fidelity Life Insurance Association

The Fidelity Life Association was established over a hundred years ago as a fraternal benefit society serving the financial needs of the middle class… (read more)

Genworth Life and Annuity Insurance Company

Genworth Financial is proud to be a member of the Fortune 500 Global Financial Security Companies, specializing in insurance (read more)

ING Reliastar Life Insurance Company

ING Life Insurance, founded in 1885, is another of our affordable life insurance companies, and one with a focus on innovation…(read more)

John Hancock Life Insurance Company

One of the most well known life insurance companies around, John Hancock Life Insurance Company has been in business since 1862. Founded …(read more)

Lincoln National Life Insurance Company

Lincoln Financial Group is a very diverse financial services company headquartered near Philadelphia. They have over $164 billion (read more)

MetLife Insurance Company

MetLife Life Insurance is another favorite life insurance company among our clients, and are very proud of their 140+ years… (read more)

Mutual of Omaha/United of Omaha Life Insurance

As a full-service, multi-line provider of insurance and financial services products, Mutual of Omaha Life Insurance Company offers financial products and services…(read more)

North American Life Insurance Company

North American Company of Life and Health (NACOLAH) has been providing quality life insurance products for financial planning for many years. …(read more)

Principal Life Insurance Company

The Principal Life Insurance Company has been in business since 1879, with a focus on providing their clients with solutions for achieving financial security… (read more)

Protective Insurance Life Insurance Company

The Protective Life Corporation offers a broad portfolio of life and specialty insurance and investment products, and traces its roots to… (read more)

Prudential Financial Life Insurance Company

For over 135 years, Prudential Financial has leveraged their life insurance and asset management expertise to help individual and institutional customers… (read more)

Savings Bank Life Insurance Company (SBLI)

The Savings Bank Life Insurance Company of Massachusetts (SBLI) is committed to providing value, quality, and stability you can count on. (read more)

Transamerica Life Insurance Company

When it comes to protecting your loved ones and planning for the future, Transamerica Life Insurance Company understands that one size does not fit all. (read more)


Read More About Our Affordable Life Insurance

Other Affordable Life Insurance Companies

We at Outlook Life have developed relationships with hundreds of insurance carriers over the past 15 years. We are eager to see if we can help you with an affordable life insurance quote. If you will call us at 866-866-0242, one of our professional counselors will make sure you get your best price with the type of policy you prefer.

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