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Term · Whole · Universal · Final Expense · Key Person

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We compare term, whole, universal, and final expense policies across top-rated carriers. No pushy sales tactics. Just the right coverage at the right price.

✓ No medical exam for most policies ✓ Same-day quotes ✓ Individual and business coverage ✓ No obligation
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Life insurance we specialize in

One advisor across every policy type. No captive carrier. No product push.

Term life

The most affordable coverage. Pure death benefit for 10, 20, or 30 years. Best for income replacement, mortgage protection, and families building wealth. Rates lock in at issue.

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Whole and universal life

Permanent coverage that builds cash value over time. Whole life is guaranteed and fixed. Universal life is adjustable. We model both against term to show the real long-term cost difference.

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Final expense insurance

Simplified-issue whole life, no medical exam, $5K–25K face amounts. For ages 45–85. Covers burial, cremation, and end-of-life bills without burdening your family.

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Key person and buy-sell

Business-owned life insurance on owners or essential employees. Funds buy-sell agreements, protects against the loss of a key revenue driver, and supports business continuity planning.

“I had group life through work and thought I was covered. They showed me my actual replacement income gap was $800K. We got a 20-year term policy in place the same week for $34 a month.”

Dallas professional, age 38, term life

How much life insurance do you need?

→ Income replacement: 10–12x your annual income is the standard starting point → Add outstanding debts: mortgage balance, car loans, student loans → Subtract existing coverage: group life, savings, investments → Factor in future obligations: college, childcare, aging parents → We run this calculation with you when we connect

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Same-day response. No exam for most policies.

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Not sure which policy type fits? Take the 2-minute policy match quiz