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Neither is better for everyone. Term life provides coverage for a set period. Whole life is a form of permanent coverage that may build cash value. Which fits depends on your goals, budget and how long you need coverage. Features, guarantees and charges vary by policy and carrier.

It depends on the carrier, the product, your age and the coverage amount. Some products may not require an exam, while others do. Underwriting requirements are set by the issuing carrier.

There is no cost to request a quote or compare options, and no obligation to purchase. You decide whether an option makes sense for you.

No. Depending on your state and the carriers we are appointed with, we may also be able to help you explore final expense, indexed universal life and group life. Annuities are retirement products rather than life insurance. Use the selector above to see each one.

A contract with an insurance carrier. In exchange for premium payments, the carrier pays a death benefit to the named beneficiary if the insured dies while the policy is in force, subject to the policy terms.

You apply for a coverage amount and policy type. The carrier reviews the application through underwriting and decides whether to issue the policy and on what terms. Once the policy is in force and premiums are paid, the death benefit is generally payable to your beneficiary.

Premiums vary by policy type, coverage amount, term length, your age, health, tobacco use, the carrier and the underwriting outcome. Because of that, the same coverage can be priced differently from one carrier to another.

The person or entity you name to receive the death benefit. You can usually name more than one, and you can typically update beneficiaries while the policy is in force, subject to the carrier and policy terms.

Optional additions to a policy that may provide extra benefits. Riders are policy-specific, may cost extra, may have eligibility requirements, and vary by carrier and state. Each rider has its own terms, limitations and conditions.

Some permanent life insurance policies may accumulate cash value. Term life insurance generally does not. Features, guarantees, charges and availability vary by policy and carrier.

It is common to review coverage after a major change, such as marriage, a new child, buying a home, a change in income, or a change in debts. A periodic review helps confirm your coverage still matches your situation.