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Start your life insurance quote today and compare available options from multiple carriers. We'll help you find coverage that can support your loved ones, replace income, cover final expenses, and protect the financial future you are building.
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Life insurance may be worth considering when other people depend on your income, care, or financial support. It may also help protect long-term obligations, cover final expenses, support business planning, or leave money to family members or other beneficiaries.
Coverage can help replace income, support children, and provide financial stability for surviving family members.
Life insurance may help a surviving spouse or partner manage housing costs, debts, household expenses, and future financial goals.
A death benefit may help surviving family members continue mortgage payments or pay other housing-related expenses.
Both income earners and stay-at-home caregivers can provide financial value that may be difficult or expensive to replace.
Life insurance may support business-continuation, ownership-transfer, key-person, or debt-protection planning.
Coverage may help beneficiaries manage funeral expenses, medical bills, debts, and other end-of-life costs.
A life insurance death benefit can provide beneficiaries with money they may use for immediate expenses, ongoing financial obligations, and future goals. How the funds are used is generally determined by the beneficiary rather than being limited to one specific expense.
May help replace part of the income a household loses after the insured person dies.
Can help beneficiaries manage mortgage payments, rent, property taxes, utilities, or other housing expenses.
May help cover funeral costs, medical bills, loans, credit balances, and other financial obligations.
Can provide funds that may be used for childcare, education, living expenses, and other long-term family needs.
May provide beneficiaries with time and financial flexibility while adjusting to the loss of a family member.
A policy may be used to leave money to family members, organizations, charities, or other named beneficiaries.
Life insurance policies are generally divided into term coverage and permanent or cash-value coverage. The appropriate option depends on how long protection is needed, the desired policy features, affordability, and long-term financial goals.
Coverage for a specific period
Coverage designed for long-term needs
Policy availability, premiums, guarantees, cash-value performance, and eligibility depend on the insurance company, policy type, underwriting, and contract terms.
There is no single coverage amount that is right for everyone. A useful estimate considers the financial support your household would lose, the obligations that would remain, and the resources already available to your beneficiaries.
Consider how much income the household depends on and how many years that support may be needed.
Review mortgage balances, loans, credit obligations, and other debts that could remain.
Consider childcare, education, healthcare, and other ongoing costs for people who depend on you.
Include expected funeral, burial, medical, legal, and estate-related expenses.
Account for savings, investments, employer-provided life insurance, and existing individual policies.
Consider education funding, family support, charitable gifts, or other goals you want the benefit to help address.
A simple income multiple may provide a starting point, but a needs-based review usually gives a more personalized estimate. The NAIC recommends considering income contribution, future obligations, changing financial needs, and how long the death benefit will be needed.
Life insurance companies do not evaluate every applicant the same way. Premiums, underwriting classifications, policy features, riders, term lengths, conversion options, and available coverage amounts can vary between carriers.
Compare Multiple Insurance Companies
Review Term and Permanent OptionsUnderstand Policy Features and Guarantees
Compare Underwriting and EligibilityReview Available RidersMatch Coverage to Your Budget and GoalsA quote is not a guarantee of coverage or final pricing. The insurance company makes the final decision after reviewing the application and any required underwriting information.
A rider changes or adds benefits to a life insurance policy. Riders may increase the premium, and their availability, eligibility requirements, limitations, and definitions vary by insurance company.
May allow access to part of the death benefit after a qualifying terminal or serious medical diagnosis, subject to the rider's requirements.
May waive required premiums when the insured meets the policy's definition of a qualifying disability.
May add a limited amount of term coverage for eligible children under the policy.
May provide an additional benefit when death results from a qualifying accident under the rider's terms.
Some term policies may allow conversion to an eligible permanent policy without completing the same medical underwriting required for a new policy.
May provide limited coverage for a spouse or another eligible person under the primary policy.
Rider names and benefits are not standardized. Review the actual policy and rider language before purchasing coverage.
Full legal name, date of birth, home address, occupation, and contact information
The amount of coverage you are considering and what you want the policy to help protect
General information about medical conditions, medications, treatments, surgeries, and healthcare providers
Information about cigarettes, vaping, cigars, chewing tobacco, nicotine products, and the date of last use
Information about certain medical conditions affecting parents or siblings when requested by the carrier
Details about driving history, travel, aviation, hazardous work, or higher-risk hobbies when applicable
Information about current individual, employer, or group life insurance coverage
The name, relationship, and other requested details for the person, trust, organization, or entity intended to receive the benefit
A policy review can help you understand your current death benefit, beneficiary designations, term expiration date, premiums, conversion options, riders, and whether the coverage still matches your needs.
Review Existing Coverage
Confirm Beneficiaries
Check Term and Conversion Dates
Compare Current and Available Options
Term life insurance provides coverage for a selected period and usually has lower initial premiums. It generally does not build cash value. Permanent life insurance is designed for longer-term or lifelong protection when the required premiums are paid and policy conditions are met. Permanent policies may include cash value but usually cost more and can be more complex.
The appropriate amount depends on your income, debts, mortgage, dependents, education goals, final expenses, savings, and existing coverage. The goal is to estimate the financial obligations your beneficiaries could face and subtract resources already available to them. A personalized needs review is generally more useful than choosing an arbitrary amount.
Not every policy requires a traditional medical exam. Some companies offer accelerated, simplified, or no-exam underwriting for eligible applicants. However, the insurer may still review health questions, prescription history, medical records, driving history, or other available information. Eligibility and maximum coverage amounts vary by carrier.
Premiums may depend on age, health, tobacco or nicotine use, medical history, family history, occupation, driving record, lifestyle, policy type, coverage amount, and policy length. Insurance companies evaluate these factors differently, so similar applicants may receive different prices from different carriers.
Yes. A person may own more than one policy, including individual and employer-provided coverage. The insurance companies may review the total amount requested to confirm that it reasonably relates to the applicant's income, obligations, and financial circumstances.
Life insurance proceeds paid to a beneficiary because of the insured person's death are generally not included in the beneficiary's federal gross income. However, interest, certain ownership arrangements, policy transfers, estate considerations, and other circumstances may create tax consequences. Customers should consult a qualified tax or legal professional for advice about their situation.
A term policy may lapse after its grace period if the required premium is not paid. A permanent policy may use available cash value to help support the policy in some circumstances, but it can still lapse if there is not enough value or premium to keep it active. The result depends on the policy, guarantees, loans, withdrawals, and payment history.
Policy owners can generally change a revocable beneficiary by submitting the insurer's required form. An irrevocable beneficiary may have rights that prevent changes without consent. Beneficiary designations should be reviewed after marriage, divorce, birth, death, or other major life events.
