Protect the people who depend on you
From affordable 20-year term coverage to permanent whole life with guaranteed cash value, we help you compare and choose.
Guaranteed protection
Whole life never expires and never increases in cost.
Affordable term
Maximum coverage per dollar for income replacement years.
Cash value
Whole life builds guaranteed cash value you can borrow against.
Lock in your health
Buy now while you're young & healthy for the lowest rates.
Family rider options
Add coverage for spouse and children at low cost.
Convertible terms
Convert term to permanent later with no new exam.
Term Life Insurance — explained
Term life provides the maximum amount of death benefit per premium dollar for a specific period (the 'term'). It's the most affordable way to protect your family during your highest-responsibility years.
Term length options
Choose a term that matches the years your family depends on your income. Common term lengths:
- 10-year term — short obligations, bridge coverage
- 20-year term — most popular; covers child-raising years
- 30-year term — covers a typical mortgage and full career
- Annual renewable term — coverage that adjusts each year
Return of Premium (ROP) option
With a Return of Premium term policy, you receive 100% of the premiums you've paid back at the end of the term if you outlive the policy — turning your protection into a forced savings account with a death benefit.
Convertibility
Most quality term policies include a conversion privilege that lets you convert all or part of the policy to permanent coverage (whole life or IUL) — with no new medical exam — even if your health has changed. This is one of the most valuable features in a term policy.
Living benefits included
Many of our term carriers (Corebridge, North American, Mutual of Omaha, Foresters, and others) include living benefits at no extra cost — letting you access the death benefit early for terminal, chronic, or critical illness.
Whole Life Insurance — explained
Whole life is permanent insurance that lasts your entire lifetime. Premiums are guaranteed level, the death benefit is guaranteed, and your cash value grows on a guaranteed schedule plus potential dividends from the carrier.
Guarantees you can count on
Unlike term or indexed products, whole life provides three core contractual guarantees from a top-rated mutual carrier:
- Guaranteed level premium for life
- Guaranteed death benefit
- Guaranteed cash value growth schedule
- Potential non-guaranteed dividends (with participating policies)
How cash value builds
Each premium adds to your cash value, which grows tax-deferred. After the early years (typically 5–10), the cash value grows efficiently and can be accessed via withdrawals or policy loans for any purpose — emergencies, opportunities, retirement income, or family banking.
Infinite Banking & Family Bank strategies
High-cash-value whole life is the foundation of the Infinite Banking Concept. You borrow against your policy for major purchases (cars, real estate, business capital) while your full cash value continues to compound — letting you 'be your own banker' and recapture interest you'd otherwise pay to lenders.
Paid-up additions (PUA)
A PUA rider lets you supercharge cash value growth by buying small amounts of additional paid-up insurance with extra premium dollars — accelerating both your cash value and death benefit far beyond the base policy.
Who is this ideal for?
- Young families with mortgages and dependent children (term)
- Anyone whose income supports others (term or whole life)
- Business owners protecting partners and key employees
- Families wanting guaranteed lifetime coverage (whole life)
- High-net-worth individuals planning estate transfer
- Parents/grandparents starting a child's lifetime cash-value policy
Get your free quote
Compare term and whole life options from A-rated carriers.