Term · Final expense · IUL

Protect the people who count on you.

Four kinds of coverage, four very different jobs. Answer a few questions and a licensed agent brings you real quotes.

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About 2 minutes No medical exam No obligation

Covering a mortgage or young kids Term life — lowest cost per dollar

Covering a funeral, ages 50–85 Final expense — few health questions

Retirement accounts already maxed Indexed universal life

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Which one are you looking at?

Pick the closest fit. Each page explains how the coverage works, who it suits, and what to watch for before you sign anything.

Temporary need

Term life

A fixed amount of coverage for a fixed number of years. The cheapest way to cover a mortgage or replace income while your kids are still at home.

Typical buyer: 25–55, has dependents or debt How term works Ages 50–85

Final expense

A small whole life policy, usually $5,000 to $25,000, meant to cover a funeral and closing costs. Health questions are limited or skipped entirely.

Typical buyer: 50–85, wants burial costs covered How final expense works Cash value strategy

Indexed universal life

Permanent coverage where cash value is credited based on an index, with a floor against market losses and a cap on the upside. Powerful when funded properly, fragile when it isn't.

Typical buyer: high income, 401(k) and IRA maxed How IUL works

How this works

Three steps, no surprises

Tell us what you're covering

A short set of questions about your age, state, health, and what you want the money to do. Nothing invasive, and no exam required to get quotes.

We match you to carriers

Carriers price the same person very differently, especially around tobacco use, weight, and prior conditions. A licensed agent pulls the ones that fit you.

You compare and decide

You see real premiums with real carrier names before anything is signed. If the numbers don't work, walking away costs you nothing.

Worth knowing

Most people overpay for one of three reasons

They buy permanent when they needed term. Permanent coverage costs several times more per dollar of death benefit. It's the right answer for some situations and an expensive mistake in others.
They only saw one carrier's rates. An agent captive to a single company can only show you that company's pricing, even when another carrier would rate you better.
They waited. Premiums are priced off your age and health at the time you apply. A year of waiting, or one new diagnosis, moves the number permanently.

Before you talk to anyone: ask whether they're captive to one carrier or independent, and how they're paid. Commissions run highest on permanent policies and lowest on term. That's not disqualifying, but it's worth knowing when someone steers you.

Coverage rule of thumb: 10–12× annual income, adjusted for debts and existing coverage
Employer coverage: Usually 1–2× salary, and it typically ends when the job does
Death benefit taxes: Generally income-tax-free to your beneficiaries

Coverage sized to the job

A quick sense of where most people land. Your own number depends on your debts, income, and who's depending on you.

10–12×

Annual income, the common starting point for coverage

20 yrs

Most-chosen term length — covers the child-rearing years

$10k

Most common final expense amount

1–2×

Typical employer coverage, which usually ends with the job

General industry rules of thumb, not carrier-specific figures or a recommendation for your situation.

Common questions

Before you fill anything out

Do I need a medical exam?

Not to get a quote. Whether the policy itself requires one depends on the product and carrier. Many healthy applicants qualify for accelerated underwriting with no exam, and final expense policies skip it entirely.

How much coverage should I buy?

Add up your mortgage, other debts, the years of income your family would need to replace, and future education costs. Subtract savings and any coverage you already have. The 10–12× income rule gets you close; the itemized version is more accurate.

Is term or permanent better?

Neither, in the abstract. Term fits temporary needs that end — a mortgage, kids becoming independent, working years. Permanent fits needs that don't expire — a lifelong dependent, estate liquidity, final expenses. Plenty of people carry both.

What if I have health conditions?

Carriers vary a lot in how they underwrite specific conditions. Being declined or rated poorly by one doesn't mean the same everywhere, which is much of the value of shopping several carriers at once. Guaranteed issue final expense accepts applicants regardless of health.

What happens after I submit the form?

A licensed agent reviews your answers and follows up by phone or email, usually the same business day, to confirm details that affect pricing and walk you through quotes. Nothing is binding, and there's no cost to see the numbers.

Find out what you'd actually pay

Two minutes of questions. A licensed agent follows up with real quotes from carriers that fit your situation.

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