Life insurance, explained before you sign.
Term or whole life is the decision most people get stuck on. The agents in our network start with what you are protecting, then price it.
Compare Rates NowAbout 3 minutes
Typical shopper
A parent with a mortgage and young children, or someone whose employer coverage ends.
What this coverage does
Term life
Fixed coverage for a set number of years at the lowest cost per dollar of protection.
Whole life
Permanent coverage with a cash value component and level premiums.
Riders
Add-ons for child coverage, disability waiver or accelerated benefits.
What moves your price
Age at application
Every birthday costs money. Rates are locked at issue for term policies.
Tobacco use
Often doubles the premium, with better rates after a documented quit period.
Health history
Some carriers are far friendlier than others to specific conditions.
Term length and amount
Matching the term to the years you need cover keeps cost down.
Common questions
Do I need a medical exam?
Many policies up to moderate amounts are now issued without one.
How much coverage is right?
A common starting point is debts plus several years of income replacement.
Can I be declined?
Yes, but agents can direct you to carriers that underwrite your situation.
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