Colonial Penn $9.95 Plan — What It Actually Covers

What the $9.95 Plan Actually Covers

Colonial Penn's plan costs $9.95 per unit. Each unit provides a small amount of coverage that varies by your age. For example, a 68-year-old woman gets approximately $800 to $900 in coverage per unit. To get $10,000 in total coverage, you'd need about 11-12 units — that's $110 to $120 per month.

There May Be a Better Option

We're independent agents — we don't work for Colonial Penn or any single company. We compare rates from 40+ top-rated carriers to find you more coverage at the same or lower monthly cost.

Many seniors who call us after seeing the Colonial Penn commercial are surprised to find they can get $10,000 or more in coverage for less — with no medical exam and no waiting period.

How It Works

Call Us

Speak with a licensed agent. We'll ask your age, state, and a few health questions.

We Compare

We run your information through 40+ carriers in real time to find your best rate.

You Choose

See your best options side by side. Pick the one that fits — or don't. No pressure.

Why Seniors Choose Us Over Colonial Penn

More coverage for your money — Colonial Penn's unit plan is often 30-50% more expensive than comparable coverage from other carriers
No medical exam required — just a few simple health questions over the phone
No waiting period on most plans — your family is covered from day one
Fixed monthly payment — your rate is locked in and never increases
Fixed coverage amount — you know exactly what your family receives

Health Conditions? We Can Help.

Diabetes, high blood pressure, COPD, heart conditions — we work with carriers that specialize in covering seniors with pre-existing conditions. Many people who think they can't qualify are surprised to find they can.

How Colonial Penn's $9.95 Plan Actually Works