Life coverage,
explained in plain English
Every policy type exists for a different reason. Here's a closer look at the core pieces of life insurance, and where each one tends to fit.
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Term Life Insurance
Straightforward, budget-friendly protection for a set period of time — often while you're raising kids, paying off a mortgage, or building toward retirement.
- Level premiums and a level death benefit for 10, 15, 20, or 30-year terms
- The most affordable way to secure a large death benefit while your family's needs are highest
- Many policies are convertible to permanent coverage later without new medical underwriting
- We shop multiple A-rated carriers to find the best rate for your health class
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Whole Life Insurance
Permanent, lifelong coverage with a guaranteed death benefit and a cash value component that grows at a guaranteed rate — a policy that never expires as long as premiums are paid.
- Coverage that lasts your entire life, with premiums that never increase
- Guaranteed cash value growth you can borrow against for emergencies or opportunities
- Potential for dividends with participating policies, depending on carrier
- A common tool for estate planning, legacy gifts, and final expense certainty
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Universal Life Insurance
Permanent coverage with more flexibility than whole life — adjust your premium payments and death benefit over time as your income and priorities change.
- Flexible premiums and adjustable death benefits within policy limits
- Cash value that grows based on current interest rates or, with indexed universal life, a market index
- Options to fine-tune coverage as your mortgage, income, or family situation evolves
- A fit for those who want permanent coverage with room to adapt
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Final Expense & Burial Insurance
A smaller, simplified whole life policy designed to cover funeral costs, medical bills, and other end-of-life expenses so your family isn't left to cover them out of pocket.
- Smaller death benefits, typically $5,000–$50,000, sized to cover final expenses
- Simplified issue underwriting — often no medical exam required
- Fixed premiums and a guaranteed payout that never expires
- A practical option for seniors or anyone who wants coverage in place quickly
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Disability Income Insurance
Your paycheck is often your biggest asset — disability income insurance replaces a portion of it if an illness or injury keeps you from working, protecting your family's finances when you can't.
- Replaces a portion of your income, typically 50–65%, if you're unable to work due to a covered illness or injury
- Short-term policies cover weeks to months; long-term policies can pay benefits for years or until retirement age
- Own-occupation policies pay out even if you're able to work in a different line of work
- Especially important for self-employed individuals and business owners without an employer-sponsored plan
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