SERENE COVER

What is Serene Cover?

Serene Cover is a guaranteed issue final expense insurance plan, where you are guaranteed approval. It is a type of permanent life insurance designed to cover end-of-life expenses. You can choose to pay premiums until the age of 85 or 100 in exchange for life-time coverage. It provides a tax-free lump sum payout to your beneficiaries when you pass away, helping ease the financial burden of funeral, burial, legal or medical bills.

How do I access Serene Cover?

Applying for a policy can be done online in just 5 simple steps and in about 10 minutes or less. 

Step 1: Get an estimate of your premium for consideration and decision.
Step 2: Complete our health and lifestyle questionnaire.
Step 3: Verify your identity and address.
Step 4: Provide your premium payment information.
Step 5: Have your policy issued in real time.

Features and Benefits:

  • The minimum coverage amount is $10,000
  • The maximum coverage amount is $100,000
  • Premiums are payable up to age 85 or 100, depending on your choice
  • The approval is guaranteed
  • The Death Benefit is equal to the Coverage Amount
Click here to view a sample Serene Cover Policy Contract.

What You’ll Need to set up a Serene Cover Policy:

  • Any smart device
  • One form of National Identification (Driver’s Permit, Identification Card, or a valid Passport)
  • A utility bill not older than 6 months (no cell phone bills)
  • A bank statement (only if a non-Republic Bank account will be used to make premium payments)
Get A Quote

Frequently Asked Questions:

  • To age 85: Pay slightly higher premiums for shorter time; coverage continues for life.
  • To age 100: Pay lower premiums over a longer period; coverage continues for life.

No medical exams or underwriting is required, approval is guaranteed regardless of health history.

Paid to age 85: You must be at least 18 years old but no older than 70 years old.
Paid to age 100: You must be at least 18 years old but no older than 80 years old.

There is a 90-day grace period to pay any missed premiums. If you do not pay your missed premium within 90 days your policy will lapse.

No, there are no fees or commissions included in this plan.

If you die within the first 2 years, the policy pays a return of all premiums to your named beneficiary. Once you die after 2 years the full death benefits is paid.

Yes, the death benefit is guaranteed once the policy is not terminated.

No, you cannot borrow from this plan. This plan can be used as security to obtain loans.

No, your premiums are fixed and guaranteed not to change for the term of the policy.

Customers can contact us via:

  • Telephone at 625-3617 ext. 69499
  • Email at rlicsupport@rfhl.com
  • The Contact Us message box on our website.
You would only need to provide a bank statement if the bank account being used to pay your premiums is not a Republic Bank account. The bank statement is used to verify account ownership only, account balances and transaction information may be redacted.