”Life insurance should be affordable for everyone and should benefit both the beneficiary and the person paying the premiums.”
Savalas Norwood | Founder & CEO
What are Living Benefits(Income Replacement) and why you need them.
When unexpected events occur, life insurance with Income Replacement, offered through Accelerated Benefits Riders (ABRs), can provide financial support if you become ill or get injured at work or during your commute.
Terminal Illness
Chronic Illness
Critical Illness
Critical Injury
Alzheimer's / Lewy Body Dementia
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The way life insurance should be
Palladium Life
Traditional Life Insurance
Income Replacement(living benefits)
Experian Boost
Instant Underwriting
No Medical Exam
Competitive Low Premiums
Trusted Carrier
Benefits You Can Use
During Your Lifetime
Adult Day Care
Household expenses
Assisted Living Care
Modification to your Home
In-home Care
Regular bills
Frequently asked questions
What types of life insurance does Palladium Life offer?
We offer both term life insurance and whole life ( ages 18-65). Our term coverage
amounts from $20K to $2 million without a medical exam.
Who is eligible for Palladium Life coverage?
All U.S. citizens and permanent residents ages 18-70 can apply for coverage with
Palladium Life.
How long does it take for a policy to be approved?
Most policies are approved instantly or within 48 hours of completing your application.
Do all life insurance policies have living benefits?
No! Only Palladium Life insurance carrier has a living benefits rider that includes injury.
What does life insurance cover?
It can help cover some of life’s biggest expenses, like mortgage protection, income replacement, large debts, and children’s college tuition.
What if I have high blood pressure, diabetes, and high cholesterol can I still get coverage?
At Palladium Life we look for ways to say yes and not no to everyone that applies. While
we cannot guarantee you can get coverage, we do take each application on a case-bycase basis.