LIFE INSURANCE ALTERNATIVE

If you can’t get  traditional life insurance, you can still protect your family.

LifeShare is a community-driven, cost-sharing alternative that protects the people you love most.

Traditional life insurance doesn't work for you. Now what?

Not everyone qualifies for life insurance. And not everyone can afford it.

You’re over 40 — premiums are high

The policy you bought in your twenties lapsed. The costs of a new plan are prohibitive — but now’s when you need it most.

You have a minor health condition

Smoking, diabetes, obesity — these make it harder (or impossible) for you to qualify. But what does that mean for your kids?

You can protect your family’s future — even if life insurance won’t

LifeShare provides easy and affordable protection for families, without the need for a life insurance policy. This payout is funded by LifeShare members, not an insurance policy.

With instant online approval, your family’s peace-of-mind is within reach.

How does this work?

Join

Answer a few quick questions and pay the annual membership fee
(less than $6/month).

Contribute

Pay only upon the passing of a LifeShare member
($32-$52 per death,
capped at 12 times per year).

Protect

Beneficiaries receive up to $250,000 payout — within one week! (through age 65)

Rabbinic Advisors

"Out of the many ideas and organizations and initiatives, I think LifeShare is the best. I strongly encourage you all to be part of this great chessed.”
Rav Asher Weiss
Rosh Kollel of Machon Minchas Osher L’Torah V’Horaah, Jerusalem
"I commend the developers of LifeShare. It is a phenomenal idea and I urge everyone to join in and be part of this initiative."
Rav Hershel Schachter
Rabbi Isaac Elchanan Theological Seminary
"I am absolutely overwhelmed by the chiddush of LifeShare. I am encouraging each and every one of you to be a part of this community.”
Rav Moshe Weinberger
Aish Kodesh, Woodmere

What LifeShare members are saying

Why breadwinners choose LifeShare

No underwriting, no premiums, no corporate profits.

Just a simple, transparent system where members support each other when it matters most.

Instant eligibility

No medical exams, no paperwork. If you join, you’re covered. Find out if you’re eligible and join in two minutes or less.

Zero premiums

Instead of paying annual premiums of $600-$2000, members pay less than $6 per month, and then contribute $32- $52 only when there’s a death.

100% Tzedakah

Protect your family while using Maaser. Every contribution is fully tax-deductible and goes straight to families who just lost a parent.

Ethical and transparent

The annual membership covers operational costs; every other dollar directly puts bread on a family’s table. No hidden fees — just people helping people.

COMPARE

What’s the difference?

.

Monthly Premiums

Health exam

Approval

Costs

Term length

Payout

Traditional Term Life Insurance

Frequently asked questions

How can I be sure that LifeShare will pay out when needed?

LifeShare operates on a cost-sharing model. While there is no guarantee, the program is designed to maintain a strong, reliable funding pool.

  • All members pre-authorize automatic contributions
  • Our secure payment system regularly verifies and updates member payment information
  • Non-contributing members are promptly replaced, maintaining the funding pool’s strength

The contribution structure has been rigorously vetted by actuaries and insurance professionals. If a payout were triggered today, it would be in the $60,000-$70,000 range.

Based on actuarial projections, members can expect to make 6 to 8 contributions per year, with a maximum cap of 12.

We base our financial projections on detailed mortality tables and actuarial reports from insurance companies. Our financial model is continuously adjusted to account for risk. For example, the cost for smokers or those with health concerns is about three times higher than for healthy or preferred-risk members, and this is factored into both pricing and expectations.

In the highly unlikely event of a mass catastrophe, we will try to raise additional funds but cannot guarantee payouts. We are here to support families facing individual tragedies; large-scale disasters are beyond the scope of this program.

No, LifeShare is for anyone seeking affordable family protection. While we often serve those with medical conditions who struggle to get traditional insurance, our cost-sharing model also benefits healthy individuals who:

  • Found traditional premiums too expensive
  • Had previous policies lapse
  • Are between jobs or insurance coverage
  • Want supplemental protection beyond existing policies
  • Prefer our straightforward, community-based approach.

Whether you have health concerns or are in perfect health, LifeShare provides an accessible alternative to life insurance.

No, the fees are fixed. Unlike traditional insurance where premiums rise as you age or if your health changes, LifeShare’s fees are consistent, with no surprise hikes, through age 65.
Your annual fee never increases, and the contribution amount of $32 – $52 per member passing is locked in for the duration of your membership.
The only variable is the number of member passings per year, which is capped at 12.

LifeShare doesn’t guarantee payouts, so there’s a chance contributions might not fully cover every member. That said, the program is built to be sustainable through collective support and has been carefully verified by actuaries. The risk is minimal, and for just a few dollars a year, you can help ensure your family won’t face tremendous financial hardship.

Yes. LifeShare does not require long-term contracts. Members can join or leave the program as needed, with no obligations or penalties.

Is LifeShare right for you?

Minor Health Condition?

LifeShare's underwriting consists of a brief health questionnaire. If you’re a smoker or diabetic, or you struggle with weight, you’re still welcome here.

Are you over 40?

If you put off buying life insurance (now it’s expensive!) or your policy lapsed, we can help. Join today and lock in your membership until age 65.

Already insured?

Many of our members already have life insurance but want an extra $250K paid out immediately. Plus, your tax deductible contributions help families in crisis.

Your family shouldn’t suffer because you can’t get traditional life insurance

Don’t leave your loved ones floundering in a crisis.

Join our simple alternative to life insurance and provide for your family when they need it most — up to $250,000, paid out within a week.

20%
Risk Factors

Select any risk factors or lifestyle habits that affect your health.

Treated And Controlled?
Treated And Controlled?
Treated And Controlled?
Treated And Controlled?

Pre-Existing Conditions

Click any condition you have been diagnosed with or treated for in the last 5 years.


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