Life insurance
Protect the people who depend on you.
Life insurance helps protect the people you love. We'll explain your options in simple language.
The main types of life insurance
Most decisions come down to how long you need coverage and what you want it to accomplish.
Term Life
Coverage for a defined period — often mortgage or child-raising years.
Whole Life
Permanent coverage that may build cash value over time.
Universal Life
Permanent coverage with more flexibility in premium and death benefit.
Final Expense
Smaller policies designed around end-of-life costs.
Business Uses
Key person coverage and buy-sell funding for owners.
Riders
Optional provisions that adjust how a policy behaves.
Coverage review
What to think through
- How many years of income would your family need replaced?
- What debts would you want paid off?
- Are education costs part of the plan?
- Do you have coverage through work, and is it portable?
- Has your family situation changed since you bought your policy?
- Are your beneficiaries still current?
Coverage varies by policy, carrier and state. This page is educational and is not a statement of coverage or a recommendation.
Common questions
Estimated coverage need
$1,625,000
This estimate adds income replacement, mortgage, other debt and education goals, then subtracts the coverage you already have.
This calculator is for educational purposes and is not an insurance recommendation.
Let's talk through what your family would actually need.
Send us what you have today and we'll help you understand whether it still fits.