Families Protected
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Now protecting 60,000+ American families nationwide
(603) 903-1101Talk with a licensed agent in seconds. Most policies skip the medical exam. Plain English. Real numbers. No pressure, no bots.
Families Protected
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Client Rating
States Licensed
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Not licensed in NY
Start a Quick Quote
Takes ~60 secCoverage that pays off
Whole Life coverage that never expires, plus tax-advantaged cash value you can borrow against.
Avg. cash value growth
Built into every policy
Tax-free payout
Goes straight to your beneficiaries. No probate, no delay.
Grows tax-deferred
Cash value compounds inside the policy. You can borrow against it.
Covers final costs
Funeral, burial, outstanding debts
Living Benefits
accessible
Tap your policy while alive for terminal or chronic illness. Cash when you need it.
90% of carriers include accelerated benefit
No Medical Exam
Skip the exam
Just honest health questions. No labs, no needles.
0%
approved without exam
“When my husband passed, Patriot didn't make me navigate anything alone. Our agent called the carrier, walked me through every document, and made sure the claim was paid in weeks.”
Alex S., Florida · Final Expense · 2024
Three policies, one decision
Lifelong Protection
Flexible Protection
Dignified Coverage
Why Patriot
150+ licensed agents with continuous carrier certifications.
One-on-one consultations. Policies designed around your actual life, not a template.
Coverage works in 49 states. When you move, your policy moves with you.
We shop A-rated carriers for you. You get the best rate and best fit, not whatever one company happens to offer.
The Process
A licensed agent answers. Not a sales rep. We learn your family before we mention a policy.
No medical exam for most policies. Straightforward questions, digital signature.
Tune coverage and premium in plain English. See every option. No upsells.
Documents delivered digitally. Your family has the peace of mind you came here for.
By the Numbers
Licensed Agents
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Agents by top 7 states
Families Protected
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States Served
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HQ · Nashua, New Hampshire
Not licensed in New York
Client Stories
Michael R.
Texas · Whole Life · 2024
“I wanted coverage I would not outlive. My agent walked me through the cash value step by step, and for the first time the numbers actually made sense.”
Alex S.
Florida · Final Expense · 2024
“When my husband passed, Patriot didn't make me navigate anything alone. Our agent called the carrier, walked me through every document, and made sure the claim was paid in weeks.”
James H.
Ohio · Term Life · 2024
“I needed coverage that matched the mortgage and the years my kids still depend on me. My agent made the decision feel straightforward.”
Questions, Answered
We usually help people compare three options: whole life, term life, and final expense. Whole life is meant to last for life. Term life covers a set number of years, usually 10, 20, or 30. Final expense is a smaller policy people often use for funeral costs and other end-of-life bills. Since we work with more than one A-rated carrier, your agent can help you compare what fits your budget.
A common rule of thumb is 10 to 12 times your income, then adjusting for your mortgage, debts, and the people who count on you. Families with young kids often need more. Someone closer to retirement may need less. Your agent can help you run the numbers based on your actual situation, not a canned formula.
Term life covers you for a set period and is usually the lower-cost way to get more coverage. That's why a lot of families choose it while the kids are young or the mortgage is still hanging around. Whole life is built to stay in place for life and can build cash value over time. Some people choose one or the other. Some use both.
Yes. Final expense is a smaller whole life policy that people often use for funeral costs, burial costs, and smaller debts. Many plans do not require a medical exam. It can make sense for older applicants or anyone who wants modest coverage that may be easier to qualify for.
Coverage can start around $5,000 for final expense and go into the millions for term or whole life, depending on the carrier and your application. Most families we work with look somewhere between $100,000 and $1,000,000. Your agent can show a few side-by-side options so you can compare price and coverage without guessing.
Often, yes. We work with more than one carrier, so we can look at options for people with diabetes, heart conditions, past cancer, tobacco use, and other health concerns. What's available and what it costs depends on your history, but your agent can usually tell you pretty quickly which options are worth looking at.
Read all life insurance FAQs for coverage, approvals, billing, and policy changes.
Drop your email and state. A licensed Patriot agent, not a bot, calls back same day with real numbers from A-rated carriers. No upsells, no obligation.
