Protecting your family's future shouldn't be complicated. We're here to help you find the right coverage for your needs and budget.
Life insurance provides financial protection for your loved ones when they need it most. Whether you're looking for temporary coverage to protect your family during your working years, or permanent coverage that builds cash value over time, we'll help you compare options from 35+ A-rated carriers to find the perfect fit.
Our licensed agents work with you to understand your unique situation and recommend coverage that aligns with your goals—whether that's paying off your mortgage, replacing lost income, funding your children's education, or covering final expenses.
We work with 35+ A-rated carriers to find the best coverage for your unique situation.
Affordable coverage for a specific period (10, 20, or 30 years). If you pass away during the term, your beneficiaries receive the death benefit.
Permanent coverage that lasts your entire life with guaranteed death benefits and cash value accumulation.
Smaller whole life policies designed to cover end-of-life costs including funeral expenses, medical bills, and outstanding debts.
Term life insurance specifically designed to pay off your mortgage if you pass away, ensuring your family can keep their home.
Whole life coverage with no medical exam and no health questions. Acceptance is guaranteed regardless of health conditions.
Permanent coverage with flexible premiums and death benefits. Includes a cash value component that earns interest.
Understanding the differences helps you choose the right coverage for your situation.
| Feature | Term Life | Whole Life | Universal Life |
|---|---|---|---|
| Coverage Duration | 10, 20, or 30 years | Lifetime | Lifetime (flexible) |
| Premium Cost | Lowest | Higher, but fixed | Flexible |
| Cash Value | No | Yes, guaranteed growth | Yes, interest-based |
| Death Benefit | Fixed | Fixed | Adjustable |
| Best For | Temporary needs | Lifelong protection | Flexibility & growth |
Get a free, no-obligation quote in minutes. Our licensed agents are here to help you find the right coverage at the right price.
Get Your Free QuoteGet answers to common questions about life insurance.
A common rule of thumb is to have coverage equal to 10-12 times your annual income. However, your specific needs depend on factors like outstanding debts (mortgage, car loans), number of dependents, future expenses (college tuition), and your family's lifestyle. Our licensed agents can help you calculate the right amount based on your unique situation.
Not always. Many policies offer simplified underwriting with no medical exam required—you just answer a few health questions. Final expense and guaranteed issue policies often don't require exams. However, traditional term and whole life policies with larger death benefits typically do require a medical exam, which can help you qualify for lower premiums if you're in good health.
Term life insurance covers you for a specific period (10, 20, or 30 years) and is the most affordable option. If you outlive the term, the coverage ends. Whole life insurance covers you for your entire life, builds cash value over time, and has fixed premiums that never increase. Term is best for temporary needs like mortgage protection, while whole life is ideal for lifelong protection and estate planning.
Yes! Many options exist for people with health conditions. Guaranteed issue life insurance accepts everyone regardless of health (ages 50-80), though coverage amounts are typically smaller. Simplified issue policies ask basic health questions but don't require exams. Even with conditions like diabetes, high blood pressure, or heart disease, you may still qualify for traditional coverage—rates will depend on the severity and management of your condition.
Cost varies widely based on your age, health, coverage amount, and type of policy. A healthy 30-year-old might pay $20-30/month for $500,000 in 20-year term coverage. A 50-year-old might pay $50-100/month for the same coverage. Whole life insurance costs more but builds cash value. Final expense policies for seniors typically range from $30-150/month for $5,000-$25,000 in coverage. Get a personalized quote to see exact rates for your situation.
Final expense insurance (also called burial insurance) is a type of whole life insurance designed specifically to cover end-of-life costs like funeral expenses, medical bills, and outstanding debts. Coverage amounts typically range from $5,000 to $50,000. It's popular with seniors because it often requires no medical exam, offers guaranteed acceptance, and has affordable premiums. The average funeral costs $7,000-$12,000, making this coverage essential for protecting your family from unexpected expenses.
