Life Insurance Coverage
Protect your family's financial future with affordable life insurance. Get quotes from top-rated carriers and secure coverage today.
Types of Life Insurance
Find the right coverage to protect your loved ones and secure their financial future
Term Life Insurance
Affordable temporary coverage for 10-30 years. Most popular and cost-effective option.
Whole Life Insurance
Permanent coverage with guaranteed cash value growth that lasts your entire lifetime.
Universal Life Insurance
Flexible permanent coverage with adjustable premiums and investment options.
Final Expense Insurance
Affordable coverage for seniors to cover funeral and burial costs.
No Medical Exam
Fast approval without blood tests or doctor visits. Coverage in days.
Group Life Insurance
Employer-sponsored coverage and whether you need supplemental protection.
Child Life Insurance
Affordable coverage for children with guaranteed future insurability.
Life Insurance Riders
Optional add-ons for disability, critical illness, and enhanced coverage.
Why Life Insurance Matters
Protect the people who depend on you most
Replace Your Income
Your family relies on your income to pay the mortgage, buy groceries, and maintain their lifestyle. Life insurance replaces that income if you pass away.
Pay Off Debts
Cover your mortgage, car loans, credit cards, student loans, and other debts so your family doesn't inherit your financial obligations.
Fund Future Goals
Ensure your children can attend college, your spouse can retire comfortably, and your family can maintain their dreams and goals.
Cover Final Expenses
Funeral and burial costs average $7,000-$12,000. Life insurance ensures your family won't face financial hardship during an already difficult time.
Leave a Legacy
Provide an inheritance for your children, donate to charity, or leave a lasting impact on the people and causes you care about.
Frequently Asked Questions
Common questions about life insurance coverage
How much life insurance do I need?
Financial experts recommend 10-12x your annual income. For example, if you earn $60,000/year, aim for $600,000-$720,000 in coverage. Consider your debts (mortgage, loans), income replacement needs, final expenses, and children's future costs (college).
What's the difference between term and whole life insurance?
Term life provides coverage for a specific period (10-30 years) at affordable rates with no cash value. Whole life lasts your entire lifetime, costs 5-15x more, but builds guaranteed cash value you can borrow against.
Do I need a medical exam to get life insurance?
Not always. No-exam policies (simplified issue) allow you to get coverage by answering health questions online with approval in minutes to days. However, traditional policies with medical exams typically offer better rates for healthy applicants.
Can I get life insurance if I have health issues?
Yes. Options include simplified issue (health questions only), guaranteed issue (no health questions, ages 50-85), and high-risk life insurance. Coverage may cost more or have lower limits, but protection is available.
How much does life insurance cost?
Term life insurance for a healthy 35-year-old costs $25-35/month for $500,000 coverage (20-year term). Whole life costs $200-400/month for $250,000. Final expense for seniors: $50-150/month for $10,000 coverage.
Is group life insurance from my employer enough?
Usually no. Employer coverage typically provides only 1-2x your salary, but experts recommend 10-12x. Plus, you lose coverage when you change jobs. It's best to supplement with an individual policy.
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