Carrier Review
CICA Life Final Expense Insurance Review
Graded Death Benefit · Underwriting ages 45–85 · Editorial review pending
Pros
- + Operates in all 50 states
Considerations
- − Underwriting limited to ages 45–85.
- − Coverage caps vary; verify maximum face amount during application.
- − Graded payout structure in years 1–3.
How CICA Life's plan works
CICA Life offers a graded death benefit. In year 1 you typically receive 30% of the face amount, year 2 about 70%, and year 3 onward the full amount. Pricing sits between level and guaranteed issue.
How much does CICA Life cost?
Indicative monthly cost across our cheapest applicable carrier baseline, non-tobacco female. Real pricing for CICA Life specifically depends on full underwriting.
| Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|---|
| 50 | $11.88/mo | $23.75/mo | $35.63/mo | $47.50/mo | $59.38/mo | $118.75/mo |
| 55 | $14.87/mo | $29.74/mo | $44.61/mo | $59.49/mo | $74.36/mo | $148.71/mo |
| 60 | $18.62/mo | $37.25/mo | $55.87/mo | $74.49/mo | $93.12/mo | $186.24/mo |
| 65 | $23.32/mo | $46.65/mo | $69.97/mo | $93.29/mo | $116.61/mo | $233.23/mo |
| 70 | $29.21/mo | $58.42/mo | $87.62/mo | $116.83/mo | $146.04/mo | $292.08/mo |
| 75 | $36.58/mo | $73.16/mo | $109.73/mo | $146.31/mo | $182.89/mo | $365.78/mo |
| 80 | $45.81/mo | $91.61/mo | $137.42/mo | $183.23/mo | $229.03/mo | $458.07/mo |
| 85 | $57.37/mo | $114.73/mo | $172.10/mo | $229.46/mo | $286.83/mo | $573.65/mo |
Indicative monthly premiums for female, non-tobacco. Real pricing depends on full underwriting.
Application process
- Complete the SureChoice quote calculator.
- A licensed agent calls to verify details and confirm pricing.
- Carrier underwriting decision (typically same-day for level / graded plans).
- Sign and pay first premium. Coverage starts immediately.
Claims process
- Beneficiary contacts CICA Life or our agent line.
- Submit certified death certificate.
- Carrier verifies coverage was in force.
- Payout typically within 7–14 days of receipt.
How does CICA Life compare?
Compare CICA Life with the rest
Our calculator returns indicative pricing from CICA Life alongside every other carrier in our panel.
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