Coverage & guides
Clear answers on every type of life insurance and annuity, written by an independent agency.
Coverage types
Whole Life Insurance
Whole life insurance is permanent coverage that lasts your entire life, with fixed premiums, a guaranteed death benefit and cash value that grows at a guarantee…
Term Life Insurance
Term life insurance covers you for a set period, usually 10, 15, 20, 25 or 30 years, and pays a tax-free death benefit if you die during that term. It has no ca…
Indexed Universal Life (IUL)
Indexed universal life (IUL) is permanent life insurance whose cash value earns interest based on a stock market index like the S&P 500, with a cap on gains and…
Universal Life Insurance
Universal life (UL) insurance is permanent coverage with flexible premiums and an adjustable death benefit. Cash value earns interest at a rate set by the carri…
Final Expense Insurance
Final expense insurance is a small whole life policy, usually $5,000 to $50,000, designed to cover funeral, burial and end-of-life bills. It is available to sen…
Annuities
An annuity is a contract with an insurance company that turns savings into guaranteed income, either now or in the future. Fixed annuities pay a set rate, fixed…
Mortgage Protection Insurance
Mortgage protection insurance is life insurance, usually term, sized to pay off your mortgage if you die so your family keeps the home. Unlike lender-sold mortg…
Children's Life Insurance
Children's life insurance is usually a small whole life policy bought by a parent or grandparent. It locks in low premiums, guarantees your child can keep cover…
Comparisons
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