Term
Most chosen- Lowest cost✓Included
- No medical exam availableVaries
- Lifetime coverage–Not a feature
- Builds cash value–Not a feature
- Retirement income–Not a feature
- Living benefitsVaries
Coverage options
Coverage that fits the life you’re actually living.
No two families need the same policy. Start with yours. Your people, your budget, your chapter. See every option in plain English. Know your options even if you’ve never bought a policy.
Best for: young families & new homeowners
Term Life
Pure, affordable protection for a set number of years. Exactly when your family depends on your income the most.
- The most coverage for the lowest monthly cost
- Lock in a level rate for 10, 20, or 30 years
- Convert to permanent coverage later without a new exam
Level premiums · 10 / 20 / 30-yr terms
Best for: lifelong protection & legacy
Whole Life
Permanent coverage that never expires, with guaranteed cash value that grows every year you hold it.
- Coverage for your entire life, guaranteed
- Level premiums that never increase
- Cash value you can borrow against for emergencies or opportunities
Guaranteed cash value · premiums never increase
Best for: tax-advantaged growth
Indexed Universal Life (IUL)
Flexible permanent coverage whose cash value tracks a market index. You share in the gains, but a floor protects you from losses.
- Growth linked to an index, with a 0% floor in down years
- Adjust your premium and death benefit as life changes
- Tax-advantaged income you can draw on in retirement
0% floor in down years · flexible premiums
Indexed universal life insurance is not a market investment. Index interest crediting is subject to caps, participation rates, and floors set by the issuing carrier, and policy values depend on policy charges and funding. Illustrations are hypothetical, not guarantees.
Best for: seniors & simple, guaranteed cover
Final Expense
A smaller whole-life policy built to cover funeral costs, medical bills, and the loose ends. So your family grieves without a price tag attached.
- Simple application. Often no medical exam required
- Coverage that fits a fixed budget
- Benefits paid directly to the people you name
Often no medical exam · fits a fixed budget
Best for: turning savings into retirement income
Annuities
A contract that converts what you’ve saved into guaranteed income. A paycheck you can’t outlive, shielded from market swings.
- Tax-deferred growth on your principal
- Lifetime income options you control
- Principal-protection choices with no market downside
Tax-deferred growth · lifetime income options
Living benefits
Coverage that can work while you’re alive.
Many of the policies we write include riders that let you accelerate a portion of the death benefit early if a serious illness strikes. Protection your family counts on later, and you can draw on now.
Terminal illness
When time is the diagnosis
A qualifying terminal diagnosis can let you accelerate a portion of the death benefit while you’re still here. Families use it for care, comfort, and putting affairs in order on their own terms.
Chronic illness
When daily life needs help
If you can no longer perform everyday activities such as bathing or dressing, a chronic illness rider can accelerate part of the death benefit. It helps cover ongoing care costs a health plan may not.
Critical illness
When the bills arrive first
A qualifying event such as a heart attack, stroke, or invasive cancer can trigger an accelerated payout of a portion of the death benefit. Money that arrives when the bills do, not after.
Availability, triggers, and costs vary by carrier, product, and state. Riders may reduce the death benefit when used. Your agent will show you exactly what each policy includes.
Side by side
Every option, compared.
Five policies, six things that matter. The highlighted column is where most families start. An agent tailors it from there.
| Feature | Most chosenTerm | Whole Life | IUL | Final Expense | Annuities |
|---|---|---|---|---|---|
| Lowest cost | ✓Included | –Not a feature | –Not a feature | Varies | –Not a feature |
| No medical exam available | Varies | Varies | Varies | ✓Included | ✓Included |
| Lifetime coverage | –Not a feature | ✓Included | ✓Included | ✓Included | –Not a feature |
| Builds cash value | –Not a feature | ✓Included | ✓Included | Varies | ✓Included |
| Retirement income | –Not a feature | Varies | ✓Included | –Not a feature | ✓Included |
| Living benefits | Varies | Varies | ✓Included | Varies | Varies |
Whole Life
- Lowest cost–Not a feature
- No medical exam availableVaries
- Lifetime coverage✓Included
- Builds cash value✓Included
- Retirement incomeVaries
- Living benefitsVaries
IUL
- Lowest cost–Not a feature
- No medical exam availableVaries
- Lifetime coverage✓Included
- Builds cash value✓Included
- Retirement income✓Included
- Living benefits✓Included
Final Expense
- Lowest costVaries
- No medical exam available✓Included
- Lifetime coverage✓Included
- Builds cash valueVaries
- Retirement income–Not a feature
- Living benefitsVaries
Annuities
- Lowest cost–Not a feature
- No medical exam available✓Included
- Lifetime coverage–Not a feature
- Builds cash value✓Included
- Retirement income✓Included
- Living benefitsVaries
Specifics vary by carrier, product, and state.
Educational estimate
What term life tends to cost.
Five taps for a rough monthly band. It is a ballpark, not a quote. Your real rate comes from underwriting and a licensed agent.
Not sure which is right?
That’s the most common place to start.
Most people don’t arrive knowing whether they need term or whole life. And they shouldn’t have to. Try a quick guided tool, or tell a licensed agent about your situation and we’ll narrow it down together, with zero pressure.
How it works
Four steps, one real conversation.
1
Tell us about you
A quick two-minute form or a phone call. Share the basics. Skip the jargon.
2
AI finds your options
Our AI instantly shops your profile across 40+ A-rated carriers to surface the strongest fits.
3
Review together
A licensed agent walks you through every option side by side. No pressure, ever.
4
Get covered
Approve and you’re protected. Most policies issue same-day or next business day.
Our promise
You’ll know exactly what you signed.
Start today
Let’s find the coverage that fits your life.
A free, no-pressure conversation with a licensed agent. In English, Spanish, or Portuguese.
No obligation. No pressure. Just a licensed agent and a straight answer.