Life insurance on your terms.

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The Savings Bank Mutual Life Insurance Company of Massachusetts
About SBLI

We’re changing the way Americans look at life insurance.


Life insurance provided by an A-rated1 (Excellent) carrier.


It takes just minutes. Easy peasy.


World-class member benefits that support you, daily.

All digital.

Apply in minutes.


made simple.

$50K - $1M coverage available

Flexible coverage for your needs

10 or 20 year terms available

Premiums won't increase during your term

Ages 18-55 are eligible to apply

We're making life insurance inclusive

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Any questions?

What makes Walnut different?

Our team at Walnut is on a mission to make life insurance accessible and improve the lives of our members with access to valuable member benefits.

Accessible Pricing: We’re spearheading price-first life insurance memberships to create a transparent and trustworthy online buying experience. You’ll always know how much you’re paying right from the start. You can feel comfortable that you’ll never be blindsided by additional fees or commissions.

Member Benefits: To help you live your best life our memberships include access to relevant products and services in addition to your life insurance. These are included as part of your monthly payment and you’ll have access as long as your membership is active.

Can I trust Walnut?

Our goal is to build a trusting relationship with you. We promise to never oversell you and will have your back as your needs change. Our licenced customer service reps are not commissioned agents, so you can count on unbiased helpful advice.

To ensure you have the best coverage we have partnered with SBLI a trusted life insurance carrier who has covered over 1 million US families and has paid out over 4 billion dollars in claims. You can find out more about our carrier at

What insurance products does Walnut offer?

Walnut currently offers term life insurance available in 10-year terms and personal cyber protection.

Who are Walnut's member benefits partners?

We’ve partnered three premium brands to help you live your best life. Headspace for mental health, sleep, and focus guidance, ClassPass for access to hundreds of digital fitness classes, and Dashlane to help you autofill passwords and protect your online identity.

Am I paying for the member benefits?

Yes, member benefits are optional and the pricing for the benefits are broken out separately during the checkout process.

Are you licensed to sell insurance?

Yes, we are licensed to sell insurance in each state, excluding New York. You can find our list of active licences here.

What forms of payment do you accept?

We currently accept bank account payments (ACH) for our life insurance membership and credit card for our personal cyber membership.

If I have other questions, how can I get in touch with Walnut?

We’d love to chat with you. To chat with us, you can contact us through the live support on our site or email us at

What is term life insurance?

Term life insurance is one of the most affordable ways to ensure your family is protected financially in the event of your passing. "Term" is the set amount of time that the insurance will last. To determine the right length of time you would want to consider your financial liabilities; mortgage, loans, debt, and end-of-life expenses. Given this type of insurance is for a set period, if you were to outlive the term you would not receive any return on the premium. Your family would also not receive a death benefit.

Which carrier backs Walnut's term life insurance?

We’ve partnered with SBLI USA Life Insurance Company that carries an A.M Best Rating of A.

Why does SBLI’s AM Best Rating Matter to me?

AM Best's Financial Strength Rating (FSR) is an independent opinion of an insurer's financial strength rating and ability to meet its ongoing insurance policy and contract obligations. With Walnut and SBLI, you can feel confident that your life insurance will be paid out in the case of a claim.

Why should I buy term life insurance?

There are multiple reasons someone would prefer to choose term life insurance. The premium prices are much more affordable, if you need something that would protect your family but are on a budget this is the perfect option. It's also great if you have a family with a mortgage, debt, loans, or want to put your kids through college. This is equally important to have if you have shared investments with a serious partner or even a business partner, the policy would help to protect them from financial loss or burden. The length of the policy would reflect how long you would need to protect your loved ones to cover your finances in the event of an unexpected death.

What ages are eligible for your digital term life insurance?

Adults 18-55 years of age are eligible for our digital term life insurance.

How much life insurance coverage do I need?

The most simple way is having your death benefit equal to 10 times your annual income, this is a good estimate to start with. To go a little deeper, you will want to analyze your expenses and future financial needs. Things to consider are; mortgage payment, debt, kids' college, and day-to-day expenses.

What term lengths are currently available through Walnut?

10-year term lengths are currently available to purchase.

Will my monthly premiums ever change?

No, your monthly premiums will not change for the length of your term.

What is the maximum amount of term life coverage available?

The maximum amount of coverage available with Walnut is $1,000,000.

Can I get life insurance if I have a serious medical condition?

This greatly depends on what the serious medical condition is. This should not stop you from reaching out to an insurance provider to see if you would qualify. In general, most pre-existing conditions will get a rating, making your premium higher. What is important is to get covered with insurance the sooner the better, because if you do have a medical condition this puts you at greater risk of earlier or an unexpected death.

Does Walnut offer any riders?

Accelerated Death Benefit Rider is included at no additional cost. This provides early access to a portion of the death benefit if the insured is diagnosed with a terminal illness

Can I purchase a policy on behalf of someone else?

In most cases, purchasing life insurance is a decision made by the individual to be insured. At Walnut, you can only purchase on behalf of yourself.

What is your term life cancellation policy?

You can cancel your SBLI term life policy at any time.

Does your term life insurance cover death by COVID-19?

Yes, the SBLI term life insurance that we offer does cover death by COVID-19. Receiving a COVID-19 vaccine will also have no effect on the ability to obtain coverage or benefits from SBLI life insurance policies. You can read more about SBLI’s response here.

How long does the application process take?

Our goal is to get you covered quickly and easily. The process from quote to application submission should only take 10-15 minutes.

Can I complete my application fully online?

Eligibility may vary depending on health and other factors, but yes, our platform allows you to apply for coverage 100% digitally without ever needing to speak with an agent. Although, we are here if you need some help.

Do you require a medical exam?

No, our platform is designed to complete the underwriting process fully online without a medical exam. However, there can be health or other factors that may prevent a successful digital application.

Why do you require personal information?

Our platform allows us to underwrite policies in realtime which requires personal information. All of the questions that are asked in the application process are required to give you an an accurate and instant decision on your life insurance eligibility. Please be rest assured that your information is safe and will not be used for any other purposes other than underwriting your policy. You can read our Terms of Use and FAQ.

Why do you need my SSN for the application?

Be rest assured that your data is encrypted to protect your identity and keep your personal information safe. Your social security number is used to verify your identity, prevent fraud, and provide accurate underwriting for your policy.

Can I speak with someone to determine my needs?

Yes, we have licensed agents available to answer any life insurance related questions. To chat with an agent you can use the live chat located on the website, contact us at, or book a 15-min session here.

My application was denied. Why?

In some cases, we are unable to offer coverage due to eligibility. If you suspect something is going wrong, please do not hesitate to contact us at

I am unable to get through my application. How can I get help?

In the event that you are having trouble with your application online, please know that we are here to help. To chat with us, you can contact us through the live support on our site or email us at

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