Life insurance made simple
Make sure your family is taken care of.
Compare quotes from top insurance companies in minutes and find coverage that protects the people you love without breaking your budget.
No pressure, no confusing jargon—just honest help from licensed agents who understand how important this decision is.
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Licensed pros walk you through quotes, discounts, and next steps in minutes.
Life Insurance Explainer
Everything you need to know about life insurance
Life insurance is one of the most important ways to protect your family's financial future, yet many people put it off or don't know where to start. Whether you're supporting young kids, paying a mortgage, or want to make sure your loved ones are taken care of, understanding how life insurance works helps you make the right decision without getting overwhelmed by options.
At its core, life insurance pays your beneficiaries (the people you choose) a lump sum of money if you die while the policy is active. There are two main types: term life insurance, which covers you for a specific period (like 10, 20, or 30 years) and is generally more affordable, and permanent life insurance, which covers you for your entire life and builds cash value over time but costs significantly more. Most families start with term life insurance because it provides substantial coverage at a price that fits their budget during the years when financial protection matters most—like while raising kids or paying off a mortgage.
The key to getting the right coverage is figuring out how much your family would actually need if something happened to you, then choosing between term and permanent based on your goals and budget. Calculate what it would take to replace your income, pay off debts, cover your mortgage, and fund future expenses like college. Your health, age, and lifestyle affect your rate, and some policies require a medical exam while others don't. Ready to compare quotes and make sure your family is protected no matter what happens?
How it works
Getting covered is easier than you think
Whether you're protecting your family for the first time or adding more coverage, we make it simple to find the right policy at the right price.
Step 1
Tell us about your family and goals
Answer a few questions about who depends on you and what financial obligations you want to cover. We'll help you think through everything that matters.
6 minutes
Step 2
Choose the right coverage and price
See your options side-by-side with clear explanations. Compare term and permanent policies, adjust coverage amounts, and find the right fit for your budget.
Easy comparison
Step 3
Get covered and stay protected
Buy your policy online or talk to an agent who can answer your questions. We'll check in annually to make sure your coverage still fits as your life changes.
Expert help available
Key decisions
Everything you need to make the right choice
Learn how life insurance works, discover which type fits your needs, and get the protection your family deserves—all without the headache.
Understand which type fits your needs
See the difference between term and permanent life insurance in plain English. We'll help you figure out which one makes sense for your family and budget.
Know how much coverage you need
Use our simple calculator to figure out the right amount based on your mortgage, kids' future needs, and what you want to leave behind.
Learn how health affects your rate
Understand what to expect during the application process and how your health history impacts your price—so there are no surprises.
Discover extra benefits that matter
Learn about riders that let you access money early if you get seriously ill, plus other options that add flexibility to your policy.
Guided help
Real people ready to help when you need it
Our licensed insurance experts work with local agencies across the country. They understand how important this decision is, know how to find the best rates, and can turn confusing insurance-speak into plain English.
- Real people who specialize in helping families, business owners, and caregivers
- Access to insurance companies that work with various health situations
- Help scheduling medical exams or finding policies with no exam required
- Annual check-ins to make sure your coverage fits as your life changes
Prefer online? Start there and call us whenever you're ready for help.
Questions?
Common questions about life insurance
Can I get life insurance if I have health problems?+
Yes. We work with many insurance companies, and some specialize in covering people with various health conditions. An agent can review your situation and find the companies most likely to approve you at a good rate.
How long does it take to get covered?+
It depends on the policy. Some applications are approved instantly with no medical exam required. Others need a health check and take a few weeks to finalize. We'll walk you through the process and let you know what to expect.
Do I need term life insurance or permanent life insurance?+
Most families start with term life insurance because it's more affordable and covers you for a specific period (like 20 or 30 years). Permanent life insurance costs more but lasts your whole life and builds cash value. We'll help you figure out which makes sense for your situation.
What happens after I buy my policy?+
We'll check in with you annually to make sure your coverage still fits. If you have kids, buy a house, or change jobs, we can help you update your beneficiaries or add more coverage.