Modern Living Benefits Life Insurance

The Life Insurance You Don’t Have to Die to Use..

Most policies are a bet on your death. We’re betting on your survival. Get a policy that pays you cash if you get sick, so you can focus on getting better, not going broke.

Thousands of Families Helped

A+ Rated Carriers

Important Reality: You are 3x more likely to get sick (and recover!) than to pass away early. We cover the odds that actually matter.

Get a New Quote or Better Policy in 2 Minutes.

First off, do you currently have life insurance? *

Yes

No

Not Sure

Thanks for that. Next, are you Male or Female? *

Male

Female

Now, what is your current age? *

What is your current employment status? *This helps us know which carriers and products may fit best for your scenario

Do you receive any Social Security Benefits? *

No

Yes - SSI

This helps us match you available carriers and products

And what is your approximate total annual household income before taxes? *

Awesome Job So Far! Now, what amount of protection are you looking for? *

Great! What's your zip code? *

Thanks! Next, have you used tobacco or nicotine products in the last 12 months? *

No

Yes

In the past 5 years, have you been diagnosed with, treated for, or are you currently receiving care for any major medical condition? *

Yes

No

Answering "Yes" won't disqualify you, it helps us route you to the best coverage.

We're in the home stretch!!

First Name *

Last Name *

Email *

Now, what is your favorite hobby? (For Security & Authenticity) *

This is a security question to confirm with your agent when they reach out to you to make sure you're talking to a real agent.

Phone *

By checking this box, I consent to receive non-marketing text messages from Life Agent, Todd Schuchart. Message frequency varies, message & data rates may apply. Text HELP for assistance, reply STOP to opt out.

By checking this box, I consent to receive marketing and promotional messages including special offers, discounts, new product updates among others.from Life Agent, Todd Schuchart at the phone number provided. Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out.

Privacy Policy

🚫 This Isn't Your Grandpa’s Life Insurance.

We fixed the glitch.

Traditional insurance waits for a funeral to pay out.

Living Benefits pays out when life gets messy, but you're still fighting.

Critical Illness

The "Life Happens" Fund. Cancer, Heart Attack, Stroke? Access your death benefit early to pay medical bills or your mortgage.

Chronic Illness

The Long-Haul Safety Net. If you can't perform daily activities, we fund your care.

Terminal Illness

The "Bucket List" Protector. If the diagnosis is bad, use your money to make the time count.

Often Included

The Free Upgrade. Most of the time, this costs the exact same as the old, boring insurance.

How to "Secure the Bag" in 3 Steps.

Getting protected is simple. Here's what to expect when you start your journey with Future Covered.

The 2-Minute Quiz.

No doctors, no needles. Just answer a few questions to see if you qualify for the Living Benefits upgrade.

We Shop, You Chill.

Our licensed pros search 80+ top-rated carriers to find you the most cash coverage for the lowest price.

The Victory Lap.

You get a policy that protects your life, not just your death.

Access to Top

A-Rated Carriers

Nationwide

Agent Network

Top

National Carriers

The "Un-Sad" Stories.

Bad things happened. But because they had the Upgrade, financial ruin didn't happen.

"The doctor said 'Cancer.' My bank account said 'We got this.' I didn't have to worry about the mortgage, just my recovery."

Rita F.

Ocean City, MD

"I thought life insurance was for after I was gone. When I had my stroke, that check saved my family's future while I was still here to enjoy it."

Tom R.

Asheville, NC

We Don't Play Favorites. We Play to Win for You.