Protect Your Family’s Future with Affordable Life Insurance
No medical exams, just peace of mind for pennies a day.
We compare hundreds of quotes in real time to find you the best coverage instantly.
What’s at stake without life insurance?
Funeral and Burial Costs
These expenses typically range from $7,000 to $12,000 or more.
Final Medical Expenses
Over 66% of personal bankruptcies are caused directly by medical expenses.
Income Loss
Families who rely on the deceased's earnings may suddenly struggle to afford everyday essentials like mortgage/rent, groceries, utilities, and education costs.
Loss of Benefits
Employer-sponsored health insurance and retirement contributions typically vanish when the worker passes, meaning families must scramble for alternatives.
Probate Costs
Settling the estate goes through probate court, which can be expensive and time-consuming, depleting remaining assets before distribution.
We work with multiple trusted life insurance providers like these to get you the best rate.
Legal & General America
4.5/5 stars, 2k+ reviews
SBLI
4/5 Stars, 1.8k+ reviews
Life Insurance FAQs
What is Life Insurance?
Life insurance is a contract with an insurer to pay a beneficiary a lump sum upon the death of the insured, in exchange for regular premium payments.
Do I need Life Insurance?
People who have dependents—such as children, spouses, or others relying on their income—should strongly consider coverage.
How much coverage do I need?
Coverage needs depend on factors like income, debts, mortgage, education expenses, and desired financial protection for loved ones. Common rules include multiplying annual income by 10 or evaluating needs using the DIME (Debt, Income, Mortgage, Education) method.
What types of Life Insurance are there?
- Term life: Lasts a set number of years, costs less, doesn’t build cash value.
- Whole life: Lifetime coverage with level premium and cash value buildup.
- Universal life: Permanent coverage, flexible premiums, may build cash value.
Are Life Insurance proceeds taxable?
Death benefits are usually income tax-free, but interest earned before payout may be taxable.
Can I borrow against my policy?
Permanent life insurance often allows policy loans, which can provide cash by borrowing against the policy’s value.
Can I have more than one Life Insurance policy?
Yes, multiple policies can be held from various sources (work, insurer, bank) and their death benefits are cumulative for beneficiaries.
What does “fully paid up” mean?
A fully paid up policy means enough payments have been made, so coverage continues for life without further premiums.
What is underwriting?
Underwriting is the insurer’s process for assessing risk through questions about health, lifestyle, and more—impacting approval, coverage amount, and cost.