Life insurance without the pressure.
Term and permanent policies, quoted across carriers, explained in plain English.
What it covers
Term life
Covers a set number of years for the lowest cost.
Permanent (whole and universal) life
Lasts your whole life and builds cash value, at a higher premium.
Mortgage protection
Term coverage sized to the loan.
Final expense
A smaller policy meant to cover funeral and end-of-life costs.
What to have ready
- Your age and whether you use tobacco
- A rough coverage goal
- Who the policy should protect
Carriers we quote for life
- Allianz
- American National
- Americo
- Assurity
- Banner Life (Legal & General)
- Cincinnati Life
- Columbus Life
- Corebridge Financial
- Equitable
- F&G
- Gerber Life
- Guardian
- John Hancock
- Lincoln Financial
- MassMutual
- Mutual of Omaha
- National Life Group (LSW)
- Nationwide
- New York Life
- OneAmerica
- Pacific Life
- Principal
- Protective Life
- Securian Financial
- Security Mutual
- Symetra
- Transamerica
- Zurich
Availability varies by state.
How much is enough?
A common starting point is enough to replace income for several years plus debts like a mortgage. It is a starting point, not a rule; we work it out together in a short call.
Frequently asked questions
Term or permanent?
Term covers a set number of years for the lowest cost. Permanent lasts your whole life and builds cash value, at a higher premium. Many families start with term.
Do I need a medical exam?
Some policies do, some don't. No-exam options exist for many ages and amounts; we'll tell you which carriers offer them.
Can I get life insurance to cover my mortgage?
Yes. A term policy sized to the loan is the usual way, and we can quote it alongside your home insurance.
Talk to a real person.
Mon–Fri 9am–5pm ET. After hours, book a time and we'll call you.