Find the coverage that may fit your family
Every family is different. Learn how each type of policy works and talk it through with a licensed professional who can help you compare.
Final Expense
Help cover end-of-life costs
Smaller whole life policies typically designed to help cover funeral, burial, and related final expenses so families aren't left with an unexpected bill.
- Simplified issue options may be available
- Fixed premiums and lifetime coverage (subject to terms)
- Coverage amounts commonly $5,000 – $50,000
Term Life
Affordable coverage for a set time
Life insurance for a defined period (for example 10, 20, or 30 years). Often chosen while children are at home or a mortgage is being paid down.
- Level premiums during the term
- Often the most affordable per dollar of coverage
- May be convertible to permanent coverage
Whole Life
Lifetime protection with cash value
Permanent coverage designed to last a lifetime, with a cash-value component that can build over time subject to the policy's terms.
- Coverage that does not expire (if premiums are paid)
- Builds cash value over time
- Level premiums for life
Availability, coverage amounts, features, and premiums vary by insurer, state, age, and underwriting. Not all applicants will qualify. This page is for educational purposes and does not constitute an offer of insurance.