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Life insurance to protect those you love.

Secure your family's financial future. From term to whole life and final expense coverage, we'll help you find the right protection at a price that fits.

Get a life insurance quoteor call 888-668-7219

Life insurance options

Choose the coverage that fits your needs and your budget.

Term Life Insurance

Affordable coverage for a specific period.

Term life insurance covers you for a set period, typically 10, 20, or 30 years. It's designed to protect your family during the years they depend on your income most, at an affordable cost.

Includes
  • Lower premiums
  • Flexible terms
  • Convertible options
  • High coverage amounts
Best for
Young families, mortgage protection
Benefits and things to keep in mind: Term Life Insurance

Key benefits

  • Significantly lower premiums than permanent life insurance
  • Term options from 10 to 30 years to match your needs
  • High coverage amounts are available
  • Many policies can be converted to permanent insurance without a medical exam
  • Level premiums that stay the same throughout the term
  • No cash value component, which keeps costs low and focused on protection
  • Renewable at the end of the term, though premiums will increase

Keep in mind

  • Coverage ends when the term does, unless renewed
  • Renewal premiums increase significantly with age
  • No cash value or investment component
  • May become unaffordable in later years if your health declines
  • Conversion options typically have time limits
  • Best suited to temporary needs rather than permanent estate planning

Whole Life Insurance

Permanent coverage with cash value growth.

Whole life insurance covers you for life and includes a guaranteed cash value that grows over time. It combines life insurance protection with cash value that builds slowly over time.

Guarantees depend on the insurance company's ability to pay claims. This is general information, not tax or legal advice.

Includes
  • Lifetime coverage
  • Cash value buildup
  • Fixed premiums
  • Estate planning
Best for
Estate planning, wealth transfer
Benefits and things to keep in mind: Whole Life Insurance

Key benefits

  • Permanent coverage that lasts your entire lifetime as long as premiums are paid
  • Guaranteed cash value growth
  • Fixed premiums that never increase, regardless of age or health changes
  • Cash value generally grows tax-deferred, and you can borrow against it
  • Dividends may be paid by mutual insurance companies (not guaranteed)
  • A death benefit that generally passes to beneficiaries free of income tax
  • Cash value you can draw on later in life

Keep in mind

  • Significantly higher premiums than term life insurance
  • Lower returns than many other ways to invest
  • Less flexibility in premium payments and coverage amounts
  • Cash value typically grows slowly in the early years
  • Policy loans reduce the death benefit if not repaid
  • Surrender charges may apply if the policy is cancelled early
  • A long-term commitment

Final Expense Insurance

Coverage for end-of-life expenses.

Final expense insurance, also known as burial or funeral insurance, is a type of whole life insurance designed to cover end-of-life costs. It's intended for seniors who may have difficulty qualifying for traditional life insurance.

Includes
  • Usually no medical exam
  • Guaranteed-acceptance options
  • Smaller coverage amounts
  • A fast decision
Best for
Seniors, burial expenses
Benefits and things to keep in mind: Final Expense Insurance

Key benefits

  • Most policies need no medical exam, only a few health questions
  • Guaranteed-acceptance options are available
  • Approval is usually fast
  • Coverage sized for funeral costs, medical bills and outstanding debts
  • Fixed premiums that never increase with age
  • Benefits paid directly to your beneficiaries to cover immediate expenses
  • Builds cash value over time

Keep in mind

  • Higher cost per dollar of coverage than traditional life insurance
  • Limited coverage amounts may not cover every end-of-life expense
  • Some policies pay a reduced benefit during the first two to three years
  • Pre-existing health conditions may affect coverage or benefits
  • May not be the best option for younger, healthier people
  • It's worth comparing guaranteed-acceptance and simplified-issue options

Side by side

The right policy depends on how long you need coverage and what you want it to do.

How the life insurance options compare

Term

How long it lasts
A set term, usually 10, 20 or 30 years
Premiums
Lowest. Level for the term
Cash value
None
Medical exam
Depends on the policy
Best for
Young families, mortgage protection

Whole life

How long it lasts
Your whole life
Premiums
Higher. Fixed for life
Cash value
Builds over time
Medical exam
Depends on the policy
Best for
Estate planning, wealth transfer

Final expense

How long it lasts
Your whole life
Premiums
Fixed. Higher per dollar of coverage
Cash value
Builds over time
Medical exam
Usually not required
Best for
Seniors, burial expenses

Why people buy life insurance

Life insurance provides financial protection for the people who depend on you most.

Mortgage protection
Help your family keep the home they love.
Income replacement
Replace lost income so your family can maintain its lifestyle.
Children's education
Secure your children's educational future.
Final expenses
Cover funeral costs and final medical bills.
Debt protection
Prevent debt from becoming a family burden.
Legacy planning
Leave a financial legacy for future generations.

How we help with life insurance

We make life insurance simple, affordable, and accessible.

Coverage sized for your family
Enough to let your loved ones maintain their lifestyle, without paying for more than you need.
Rates that fit your budget
We compare the life insurance companies we represent to find coverage you can afford.
Plain answers
We explain what each policy does and doesn't do before you commit to anything.
A simple application
We handle the paperwork with you and tell you up front whether a medical exam is likely.

Secure your family's future today.

Life is unpredictable, but your family's financial security doesn't have to be. Get life insurance coverage that gives you peace of mind.

Speak with a licensed agent

888-668-7219

Mon to Fri 9 to 6, Sat 10 to 4 Eastern

Get a life insurance quote