LIFE INSURANCE

Life insurance for the people who count on you

Life insurance pays money to the people you choose when you pass away. It can cover funeral costs, pay off a mortgage or debts, replace lost income, or help your family stay on their feet.

Get a life insurance quote

TYPES

The main types

Type	How long it lasts	Good to know
Term life	A set number of years, like 10, 20 or 30	Lowest cost for the most coverage. No cash value. Good for covering a mortgage or years of raising kids
Whole life	Your whole life, as long as you pay the premiums	Costs more. Builds cash value you can borrow against. Premiums usually stay the same
Final expense	Your whole life	A smaller whole life policy meant for funeral costs and final bills. Often just a few health questions and no medical exam
Guaranteed issue	Your whole life	No health questions. Usually pays the full amount only after a waiting period, often about two years, unless death is from an accident

KEY FACTS

What to know

The payout is usually tax-free. Your beneficiaries generally don’t pay income tax on the money.

Younger and healthier costs less. The sooner you buy, the lower your price is likely to be.

Your beneficiaries matter. Update them after a marriage, divorce, birth or death in the family.

Coverage through work may not follow you. If you leave your job or retire, that policy may end.

COVERAGE AMOUNT

How much do you need?

Think about:

Funeral and final costs

Your mortgage and other debts

How many years of income your family would need

Future costs, like a child’s education

HOW I HELP

I’ll help you figure out how much coverage makes sense, then compare policies from several companies. You’ll know exactly what you’re buying and what it costs.

Get a life insurance quote