Life cover exists to keep the people who depend on you standing if your income stops. That means the right question isn't "which policy?" — it's "what would my family actually need, and for how long?" We answer that first, then match a policy to it.
Policy types
Some of these are pure protection. Some build cash value you can use while you're alive. The difference matters more than the brand name on the policy.
Term life
Coverage for a set stretch — usually 10, 20 or 30 years — at the lowest cost per dollar of protection. Perfect when the need has an end date: a mortgage to pay off, children to get through school, a business loan to clear.
Best for: maximum protection on a working family's budget.
Whole life
Permanent coverage with a level premium and guaranteed cash value that grows over time. It costs more than term for the same death benefit, and in exchange it never expires and never re-prices.
Best for: lifelong needs, estate planning, and people who want certainty over cost.
Universal life
Permanent cover with adjustable premiums and death benefit, so the policy can flex as your income and obligations change. Flexibility is the feature and the risk — these need reviewing, not filing away.
Best for: people with variable income who want permanent cover they can adjust.
Indexed universal life
Cash value growth linked to a market index, with a floor that limits downside and a cap that limits upside. Genuinely useful in the right hands, frequently oversold — we'll walk you through the illustration line by line, including the assumptions.
Best for: savers who've maxed other tax-advantaged options and understand the trade-offs.
Simplified issue
Coverage approved on a health questionnaire instead of a full medical exam, often within days rather than weeks. Face amounts are lower and the premium reflects the shortcut, but it gets cover in place fast.
Best for: people who need coverage now, or who'd rather skip the exam.
Final expense & burial
Small permanent policies designed to cover a funeral, outstanding medical bills and the administrative costs that land on a family in the worst month of their lives. Acceptance is straightforward, even later in life.
Best for: seniors who want the funeral handled without leaving a bill behind.
How much cover
Round numbers get chosen because they're easy, not because they're right. We build yours from what's actually on your balance sheet.
01
Income to replace
How many years would your household need your income to keep functioning, and at what level?
02
Debt to clear
Mortgage, car loans, credit cards, business obligations, anything with a co-signer.
03
Costs still coming
Childcare, education, care for a dependent adult, a funeral. These don't pause.
04
What already exists
Group cover through work, existing policies, savings. Subtract it — you may need less than you think.
A note on group life through work
Employer coverage is usually one to two times salary and it stops when the job stops. It's a good start, not a plan. Most people need something they own outright alongside it.
Get a life quote
Give us your age, health basics and who depends on you. We'll come back with quotes from multiple carriers and a straight recommendation on the amount and the term.
No-exam options available
Ten minutes on the phone is usually enough to work out your number. The quote follows within a business day.
Policy availability, underwriting outcomes and premiums vary by carrier, state, age and health. Only the issued policy determines coverage.