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Life Insurance
If something happened to you tomorrow, would your family be okay?
Let's make sure they would be.
Life insurance replaces your income, pays off debts and keeps your family’s plans on track. We’ll help you figure out how much you need and which type fits your budget.
A quick rule of thumb
10–12×
your annual income is a common starting point for coverage.
- Your mortgage and other debts
- College costs for your kids
- Final expenses
Sound Familiar?
You know you should.
You just haven't yet.
Life insurance is easy to put off. The good news is that getting it right usually takes one conversation.
The problem
You only have coverage through work.
How we fix it
A policy you own, so your family stays protected even if you change jobs.
The problem
You have no idea how much coverage you actually need.
How we fix it
We add up your income, debts and goals to find a number that makes sense.
The problem
Term, whole, universal. You can't tell which is right.
How we fix it
Straight answers on how each type works and what it costs, with no pressure.
The problem
You worry a health condition means you can't qualify.
How we fix it
We shop multiple carriers, including options with simplified or no medical exams.
What It Protects
More than a policy.
A plan for the people you love.
The mortgage and debts
So your family can stay in the home they know.
Everyday living
Groceries, bills and childcare, replaced by the policy.
Education
Keeping college plans on track for your kids.
Final expenses
Funeral and end-of-life costs, handled.
Your business
Buy-sell funding and key-person protection.
A lasting legacy
Something meaningful for family or a cause you care about.
Types of Coverage
Four ways to protect your family,
explained simply.
Most affordable
Term Life
Coverage for a set number of years, often 10, 20 or 30. If you pass away during the term, your beneficiaries receive the death benefit. It’s the most protection for the lowest cost.
Lasts
A set term you choose
Cash value
None
Best for
Young families, mortgages and income replacement
Tip
Match your term to your longest obligation, like the years left on your mortgage or until your youngest finishes school.
Lifelong coverage
Whole & Permanent Life
Coverage that lasts your entire life and builds cash value over time. Whole life offers fixed premiums and guaranteed growth, while universal life gives you more flexibility.
Lasts
Your whole life
Cash value
Grows tax-deferred
Best for
Lifelong needs, estate planning and legacy goals
Tip
You can borrow against cash value, but unpaid loans reduce what your beneficiaries receive.
Help while you're living
Living Benefits
Lets you access part of your death benefit early if you’re diagnosed with a qualifying chronic, critical or terminal illness, so you can focus on getting better, not the bills.
Available
As a rider or built into some policies
Pays for
Treatment, care or lost income
Best for
Anyone who wants protection that works while they're alive
Tip
Ask about living benefits before you buy. Adding them later isn't always possible.
Simple and small
Final Expense
A smaller whole life policy designed to cover funeral costs, medical bills and other end-of-life expenses, so your family isn’t left with the bill.
Coverage
Smaller amounts, lifelong
Premiums
Stay level
Best for
Seniors and anyone wanting simple, affordable coverage
Tip
Many final expense plans need only a few health questions, with no medical exam.
Side by Side
Term vs. permanent,
at a glance.
Term Life
Permanent Life
How long it lasts
A set term (10, 20 or 30 years)
Your whole life
Cost
Lowest premiums
Higher premiums
Cash value
None
Builds over time, tax-deferred
Premiums
Level during the term
Level for life (whole life)
Best for
Covering years of big obligations
Lifelong needs and legacy planning
Why Now Matters
Every birthday you wait
can raise the price.
Premiums are based mostly on your age and health when you apply. Buying sooner locks in a lower rate, before a change in health makes coverage harder to get.
Talk it through
Your family, income, debts and goals.
We compare carriers
Including simplified and no-exam options.
Apply and get covered
We guide you through underwriting to approval.
FAQs
Life insurance questions,
answered.
How much life insurance do I need?
A common starting point is 10 to 12 times your annual income, adjusted for your mortgage, debts, college plans and savings. We’ll help you land on the right number for your family.
Isn't the coverage from my job enough?
Work coverage is a great start, but it’s often only one or two times your salary, and it usually ends when you leave the job. A policy you own goes with you.
Do I need a medical exam?
Not always. Many policies use simplified underwriting with health questions only, especially for smaller amounts and final expense coverage.
What are living benefits?
They let you use part of your death benefit while you’re alive if you’re diagnosed with a qualifying serious illness. They’re often available as a rider when you buy the policy.
Keep Exploring
More ways to protect
you and your family.
Health Insurance
On and off Marketplace plans, explained and compared.
Supplemental, Dental & Vision
Accident, critical illness, hospital, dental and vision coverage.
Dental & Vision Plans
Free Life Insurance Review
Protect the people
who count on you.
We’ll help you figure out how much coverage you need and compare options from multiple carriers, at no cost and with no obligation.
Prefer to call?
Virtual appointments available
Meet with us by video, whenever it fits your schedule.