Age
All U.S. citizens and permanent residents ages of 20-85 can apply for coverage with Hengsheng. If you’re 69 and under, you can own term coverage until age 80. If you are over 69, a guaranteed issue whole life insurance policy might be an easy way for you to get coverage quickly.

Location
Hengsheng is licensed and operates in 49 U.S. states and the District of Columbia, excluding the state of New York.

If I already bought a policy from Hengsheng, can I apply for a second policy?

In short, no. If you already have a policy with us, you can’t apply for a second. If you try to apply for a second policy, you should receive a message stating you are ineligible to apply. If you’re looking for more coverage, you would need to cancel your current policy and reapply for higher coverage.