Final expenses
A smaller whole life policy meant to pay for a funeral and the bills left behind, so your family isn't
stuck covering them.
- How long it lasts
- Your whole life
- Monthly price
- Locked in, never goes up
- Medical exam
- Usually none, just health questions
A good fit if
- You're older and want something simple that's approved quickly
- You don't want your kids paying for your funeral
- You were turned down for other coverage because of your health
Get a final expense quote
Permanent life insurance
Coverage that lasts as long as you live, at a price that stays the same. Part of what you pay builds cash
value you can borrow against later.
- How long it lasts
- Your whole life
- Monthly price
- Locked in, never goes up
- Cash value
- Grows over time, and you can borrow from it
A good fit if
- You want to leave money to your family no matter when you pass
- You like the idea of savings building up inside the policy
Get a permanent life quote
Temporary life insurance
Also called term life. It covers you for a set number of years, and it's the most coverage you can get
for the money.
- How long it lasts
- Usually 10 to 30 years
- Monthly price
- Locked in for the length of the term
- Cash value
- None, which is why it costs less
A good fit if
- You have kids at home who depend on your income
- You want a large amount of coverage on a tight budget
- You need coverage until a loan is paid off or the kids are grown
Get a term life quote
Your mortgage or your equity
Coverage sized to pay off your home if you pass away, so your family can stay in it. Some plans also pay
out if you're diagnosed with a serious illness.
- How long it lasts
- Usually matches what's left on your mortgage
- Monthly price
- Locked in for the length of the plan
- Who gets paid
- Your family, who can use it on the house or anything else
A good fit if
- Your family couldn't cover the payment without your income
- You've built equity and want to protect it
Get a mortgage protection quote