Life insurance options for families, seniors, and long-term planning.
Term, whole, final expense, and cash value. We help you understand the tradeoffs and see what fits.
Life insurance pays a tax-free death benefit to the people you choose. There are two big families: term (coverage for a set number of years, lower cost) and permanent (coverage for life, often with cash value). Final expense is a smaller permanent policy designed to cover funeral costs. The right choice depends on your age, health, budget, and what you want the money to do.
Types of life insurance
Term Life
Coverage for a set number of years at lower cost. For income replacement, mortgages, and family protection.
Learn more →Whole Life
Lifelong coverage that may build cash value over time. Higher premiums than term.
Learn more →Cash Value
Permanent coverage with cash value features. Loans against the policy can reduce the death benefit.
Learn more →Frequently asked
Life insurance products are subject to underwriting. Approval, premium, and benefits depend on age, health, and other factors.
Some permanent life insurance policies may build cash value. Policy loans may reduce the death benefit and create costs. This may not be right for everyone.
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