What we cover
Starting a family, buying a home, running a business, planning retirement or making sure final costs are handled — here’s what we offer, who it fits, and what to expect. Not sure which fits you? That’s what we’re for.
Protect
Life insurance in all its forms — from a few years of big coverage to a policy that lasts your whole life.
The most coverage for the lowest price, for the years your family depends on you most.
Best for Healthy adults with a family, a mortgage or an income to replace.
Coverage for your whole life, with premiums that never go up and cash value that never earns a negative rate.
Best for People who want coverage that never runs out.
Lifelong protection plus cash value linked to a market index — with a guaranteed floor when the index drops.
Best for Families who want lifelong coverage and growth, including for retirement income.
A smaller whole life policy that covers the funeral and final bills, so your family doesn’t have to.
Best for Seniors, often ages 50 to 85, who want their final costs handled.
Life insurance sized to your mortgage, so your family keeps the house if something happens to you.
Best for Homeowners — especially with a new mortgage.
Use part of your death benefit while you’re alive if a serious illness hits.
Best for Anyone worried a heart attack, stroke, cancer or chronic illness could wipe out savings.
Coverage that keeps a business running if an owner or key person dies.
Best for Business owners and partners.
Retire
Guarantees for the money you’ve already saved, and income that lasts as long as you do.
Protect savings from market drops and turn them into income you can’t outlive.
Best for People nearing or in retirement who want guarantees.
A set interest rate for a set number of years, with a guaranteed minimum — steady growth with no market risk.
Best for Savers who want predictable, guaranteed growth.
Growth linked to a market index like the S&P 500, protected from index drops.
Best for People who want more growth potential than a fixed rate, without market losses.
Riders
Riders are add-ons that customize a life insurance policy. Some come free — like living benefits, which come on almost every policy we offer — and others add a small cost. We’ll show you which ones your policy includes.
Use part of your death benefit early for a terminal, chronic or critical illness. Free on almost every policy we offer.
Money if you’re diagnosed with a covered illness such as a heart attack, stroke or cancer.
Money if you can no longer do basic daily activities on your own, like bathing or dressing.
Access to your death benefit if you’re diagnosed with a terminal illness.
An extra payout on top of your coverage if death is caused by an accident.
Your premiums are waived if you become totally disabled and can’t work.
Covers all your children under your policy, usually with the option to turn it into their own policy later.
Adds coverage for your spouse to your policy.
Get the premiums you paid back if you outlive your term policy.
Turn your term policy into permanent coverage later without new health questions.
Buy more coverage at set times or life events — like marriage or a new baby — without new health questions.
A monthly benefit if you become disabled and can’t work.
Rider availability, rules and cost vary by insurance company, policy and state.
Our carriers
Because we’re not tied to one company, we can match you with the carrier that treats your age, health and budget best — and if your needs change, we can look again.
Some of the insurance companies we work with most. Products and carriers vary by state. Carrier names and logos belong to their owners.
Tell us a little about your family and goals. We’ll lay out your options side by side — no pressure, no obligation.
