Life insurance, made simple.
Life insurance pays your family a tax-free sum if you pass away while covered. It comes in two families — term, which lasts a set number of years, and permanent, which lasts your whole life and builds cash value. The right kind is the one that fits your budget and what the money has to do.
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The four kinds
Four kinds of coverage, one plain-English map.
Almost every policy is a version of these four. Start here, then read the guide that fits your situation — and call when you want a second opinion.
Term life
Coverage for a set number of years — usually the most protection per dollar. Built for the years your family depends on your income.
Learn more02Whole life
Permanent coverage that lasts your whole life and builds guaranteed cash value at a steady, predictable pace.
Learn more03Universal life
Permanent coverage with flexible premiums and a cash value tied to interest rates — adjustable as life changes.
Learn more04Indexed universal life
Permanent coverage whose cash value follows a market index with a floor underneath it. Strong when funded by design.
Learn moreNot sure which kind fits? A licensed professional will walk you through it and give you a straight recommendation. Free, no obligation.
Call (888) 959-0710Go deeper
Life insurance guides, in plain English.
Life Insurance · 11 min
Life Insurance for Kids: What Every Parent Should Know
Life insurance for kids, explained calmly: how juvenile whole life works, what a child rider costs, sample rates, and when to keep what you have.
Read the guideLife Insurance · 9 min
Life Insurance for Parents: How to Buy & Insurable Interest
Yes, you can buy life insurance for a parent — with their consent and a real insurable interest. How to apply, what it costs by age, and which policy fits.
Read the guideLife Insurance · 10 min
Guaranteed Issue Life Insurance Explained
Guaranteed issue life insurance explained: no health questions, no exam, the two-year graded death benefit, real costs, and when a cheaper plan beats it.
Read the guideLife Insurance · 9 min
How Much Life Insurance Do I Need? A Simple Method
How much life insurance you need, in plain math: the DIME method, the income-multiple rule of thumb, a worked example, and a needs table you can copy.
Read the guideLife Insurance · 11 min
Is Whole Life Insurance Worth It? Pros, Cons & Cost
Is whole life insurance worth it? The honest pros and cons, a real cost comparison with term, and a five-question test for whether it fits you.
Read the guideLife Insurance · 11 min
Mortgage Life Insurance vs Term: Protect Your Home
Mortgage life insurance pays off your home loan if you die. See how it compares to level term life, what it costs per month, and which one fits you.
Read the guideLife Insurance · 11 min
No-Medical-Exam Life Insurance: How It Works
No medical exam life insurance, explained: how approval works without a paramedical visit, the four main types, what they cost, and who each one fits best.
Read the guideLife Insurance · 10 min
Life Insurance Over 80: What Real Options Still Exist
Can an 84-year-old woman get life insurance? Yes. See real options after 80: guaranteed and simplified issue, sample rates, and how much coverage to buy.
Read the guideLife Insurance · 10 min
Permanent Life Insurance: Types, Cost & How It Works
Permanent life insurance explained: how whole life, universal life, and indexed UL build cash value and last for life, what they cost, and who each fits.
Read the guideLife Insurance · 11 min
Life Insurance Rates by Age: 2026 Charts by Decade
Life insurance rates by age, charted for 2026: illustrative term and whole life monthly premiums from your 20s to your 70s, plus what really moves your rate.
Read the guideLife Insurance · 10 min
Return of Premium Life Insurance: Worth the Cost?
Return of premium life insurance refunds your premiums if you outlive the term. Here is the real cost math, the tradeoff, and who it actually fits.
Read the guideLife Insurance · 11 min
Life Insurance for Seniors: Options & Costs (2026)
Life insurance for seniors, explained calmly: which policy types fit after 60, what coverage costs by age, and when keeping what you own is right.
Read the guideLife Insurance · 11 min
Term Life Insurance: How It Works & Who It Fits
Term life insurance explained: how it works, what level term costs by age, how it compares to whole life, options for seniors, and how to pick the right term.
Read the guideLife Insurance · 11 min
Universal Life Insurance: How It Works & Who It Fits
Universal life insurance, explained: how the flexible premiums and interest-based cash value work, the types of UL, the tax treatment, and who it fits.
Read the guideLife Insurance · 11 min
What Is Life Insurance? A Plain-English Guide
What is life insurance, in plain English: how it works, what term and permanent cover, what a policy costs, and how to pick the type that fits your family.
Read the guideLife Insurance · 11 min
Whole Life Insurance: How It Works & Cost
Whole life insurance, explained: how the guaranteed death benefit and cash value work, what a policy costs, who it fits, and how to check the one you own.
Read the guideLife Insurance · 10 min
Life Insurance for Diabetics: Options, Costs & Approval
Life insurance for diabetics is very gettable. How Type 1 and Type 2 are underwritten, what moves your rate, illustrative costs, and the no-exam options that can fit.
Read the guideLife Insurance · 9 min
Life Insurance for Smokers: Rates & How to Save
Life insurance for smokers costs more, but coverage is very gettable, and rates can fall if you quit. How smoker rates work, what counts as smoking, and the options.
Read the guideLife Insurance · 9 min
Life Insurance With High Blood Pressure: What to Know
Life insurance with high blood pressure is usually very gettable, often at standard rates when it is controlled. How insurers view it, the costs, and your best rate.
Read the guideLife Insurance · 9 min
Life Insurance After a Heart Attack: Your Options
Life insurance after a heart attack is still very possible. How insurers view your recovery and health, what coverage tends to cost, and the no-exam paths that fit.
Read the guideLife Insurance · 9 min
Life Insurance With Sleep Apnea: Rates & Approval
Life insurance with sleep apnea is very gettable, often at standard rates when it is treated. How insurers view CPAP and severity, the costs, and your best rate.
Read the guideLife Insurance · 9 min
Converting Term to Whole Life: How & When It Pays
Most term policies include a conversion option to switch to permanent coverage with no new medical exam. How term conversion works, the deadlines, cost, and fit.
Read the guideLife Insurance · 9 min
Is Employer Life Insurance Enough? What to Know
Employer life insurance is a great free start, but often not enough and not portable. How group coverage works, the common gaps, supplemental options, and what to add.
Read the guideLife Insurance · 10 min
Life Insurance Riders: The Add-Ons Worth Knowing
Life insurance riders customize a policy: accelerated death benefit, waiver of premium, child term, and more. What each rider does, what it costs, and which are worth it.
Read the guideLife Insurance · 10 min
Joint Life Insurance: First-to-Die vs Survivorship
Joint life insurance covers two people on one policy. How first-to-die and second-to-die survivorship work, who each fits, the costs, and when two policies beat one.
Read the guideAlready have a policy?
A free second opinion on what you own.
Bring us the policy you have — or just the carrier’s name. A licensed professional reads it with you, checks that the coverage and beneficiaries still fit, and tells you plainly whether to keep it, adjust it, or improve it.
Plenty of the policies we read are working exactly as they should — and when that’s the case, we say so. A review that ends in “keep what you have” is a successful review.
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- Whether your coverage amount still matches your family
- If your beneficiaries are current and correctly set
- How your premium compares with today’s market
- Whether a permanent policy is funded the way it was designed
Straight answers
Life insurance questions, answered.
By Braxton Mondell, licensed in all 50 states · Updated June 2026
01What are the main types of life insurance?
There are two families: term, which covers you for a set number of years, and permanent, which lasts your whole life and builds cash value. Permanent includes whole life, universal life, and indexed universal life (IUL). Most families start with term because it buys the most coverage per dollar.
02How much life insurance do I need?
A common rule of thumb is 10–12 times your income, but the honest answer depends on what the money has to do — replace income, pay off the mortgage, cover the kids until they are grown, or handle final expenses. A short call works it out in plain numbers, with no pressure to buy.
03Is term or whole life better?
Neither is better in the abstract — they do different jobs. Term is the most coverage for the least money during the years your family depends on your income. Whole life costs more but lasts forever and builds cash value. The right answer is the one that fits your budget and your goal, and we will tell you which that is.
04Can I get life insurance without a medical exam?
Often, yes. Many carriers now offer no-exam coverage based on a health questionnaire and data checks, with a decision in minutes to days. It can cost a little more than fully underwritten coverage, and the trade is usually worth it for the speed and convenience.
05Do I really need a review if I already have a policy?
Only if you want to be sure it still fits. Beneficiaries go out of date, coverage needs change, and some policies are funded in ways that quietly underperform. A free review tells you plainly — and plenty of the time the answer is simply keep what you have.
This page is educational and not tax or legal advice. If changes to coverage are appropriate, they are completed through licensed insurance professionals. Coverage, availability, and pricing vary by carrier, state, and your individual circumstances.
Not sure what you need? Let’s talk it through.
Whether you’re shopping for the first time or wondering about a policy you already own, a licensed professional will give you a straight answer — in about ten minutes, with no pressure.