smiling family

Life Insurance

Life can be unpredictable, but protecting your loved ones doesn’t have to be. Our life insurance options can help provide financial security and peace of mind, so you can focus on what matters most today.

The importance of life insurance

$310K

Avg. cost to raise a child[1]
 

$8K

Cost for a modest funeral[2]
 

$30/mo

Avg cost for $250K policy3

Our products

Coverage for 5-, 10-, 15-, 20- or 30- years from Erie Family Life.4 A great option if you’re looking for affordable protection for a specific period, like while raising a family, paying off a mortgage, or covering other temporary financial responsibilities.
Protection with premiums and coverage that remain the same for your lifetime. Ideal for those who want long-term stability, lifetime coverage, and the potential to build cash value over time.
Coverage up to $500K with a simple application process and faster approval time.5 A convenient choice if you want straightforward coverage without a lengthy process, especially if you need protection in place quickly.
mother, baby, and grandmother sit and smile on couch

Optional add-on

Long-Term Care Accelerated Death Benefit Rider 

Available with a Whole Life policy, add Long-Term Care Rider Insurance[6] to help cover the cost of hands-on daily care from a nurse or health aide.

Which type of policy is best for me? 

Select from a variety of products that offer different coverage terms and benefits.

Term Life
Whole Life
ERIExpress Life
Coverage Amounts
Term Life
$30,000 minimum
Whole Life
$10,000 minimum
ERIExpress Life
$10,000 – $500,000
Plan Durations
Term Life
10-, 15-, 20- and 30-year plans
Whole Life
10-, 20- and 30-year plans 

Pay to age 65, 100 or single pay
ERIExpress Life
Term: 5-, 10-, 15- and 20-year plans.

Whole Life: 20-year pay
Cash Value
Term Life
No
Whole Life
Yes
ERIExpress Life
Term: No
Whole Life: Yes
 
Medical Exam
Term Life
Yes
Whole Life
Yes
ERIExpress Life
No
mother assists young daughter in putting on her life jacket, while older child looks ahead.

How much do I need to leave behind?

Estimate your coverage needs with our life insurance calculator. Fast, private and no obligation to send to an agent.

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Life Insurance and Health Conditions: A Deal Breaker?
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  1. 1. 

    Life Insurance and Health Conditions: A Deal-Breaker?

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  2. 2. 

    According to 2023 data provided by the National Funeral Directors Association.

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  3. 3. 

    Rate depicts Ultra-Select, Non-Tobacco Rates. Actual rates vary based on age, health, coverage amount, and riders.

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  4. 4. 

    ERIE® life insurance products and services are provided by Erie Family Life Insurance Company, a member of Erie Insurance Group, and are not available in New York. See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to our disclaimer for additional information.

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  5. 5. 

    ERIExpress Life application contains medical questions. All applications are subject to underwriting approval and certain health conditions may require a fully underwritten life policy instead.

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  6. 6. 

    Funds accessed through the Long-Term Care rider can be drawn up to the value of the residual death benefit which would be the lesser of $25,000 or 10% of the face amount. The face amount will be reduced proportionally for any reduction in face amount not due to acceleration under the Long-Term Care Acceleration Rider. The benefits of EFL’s Long-Term Care Rider become available if you are unable to independently complete two of the following six activities for daily living, as certified by your licensed health care professional: (1) bathing, (2) maintaining continence, (3) dressing, (4) eating, (5) using the restroom, (6) transferring to and from bed. Must be at least $1,000. Applicable IRS rules apply.

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