Protecting the ones
that matters most.
Gain peace of mind with reliable insurance coverage.
Save now on life insurance
Up to 30% when you buy online
* Enter your zip code to include local rates
The best life planning solutions
Affordable coverage options to provide long-term
financial protection for your loved ones.
Policies fit your budget and lifestyle
Helping you to choose the safest and most efficient method

What is term life insurance?
Term life is a type of insurance that provides coverage for a specific period of time, typically ranging one to thirty years.
The benefits of term life insurance include:

What is final expense insurance?
Also known as burial or funeral insurance, Final expense is designed to cover expenses associated with end-of-life arrangements. The benefits include:
Frequently asked questions
You have questions, we hope to answer some of the common ones.
1. How much life insurance do I need?
The amount of life insurance you need depends on your individual circumstances, including your income, debts, and financial goals. A general rule of thumb is to have coverage equal to 10-12 times your annual income.
2. How much does life insurance cost?
The cost of life insurance varies depending on several factors, including the type and amount of coverage, the age and health of the insured, and the insurer’s underwriting guidelines.
3. How do I choose a life insurance policy?
To choose a life insurance policy, consider your budget, coverage needs, and financial goals. It’s also important to research different insurers and policies, compare quotes, and read reviews from other policyholders.
4. Can I change my life insurance policy?
Yes, you can change your life insurance policy by adding or removing coverage, changing the beneficiaries, or switching to a different type of policy. However, these changes may result in a change in premium or other policy terms.
5. What if I stop paying my life insurance premiums?
If you stop paying your life insurance premiums, your coverage will typically lapse or terminate. Depending on the policy, you may be able to reinstate coverage by paying back the missed premiums and any interest or fees.
6. Are life insurance benefits taxable?
In general, life insurance benefits are not taxable as income for the beneficiaries. However, if the death benefit is paid out as a lump sum and earns interest, the interest may be taxable.
7. How do I file a life insurance claim?
To file a life insurance claim, you will need to contact the insurer and provide documentation of the insured’s death, such as a death certificate. The insurer will then review the claim and, if approved, pay out the death benefit to the named beneficiaries.
8. How long does it take for a policy to take effect?
The timeframe for a life insurance policy to take effect depends on the insurer and the type of policy. Generally, term life insurance policies take effect immediately after the policy is issued, while permanent life insurance policies may have a waiting period of several months.
9. Can I buy life insurance for someone else?
In most cases, you cannot buy life insurance for someone else without their knowledge and consent. However, you may be able to purchase life insurance for a child or dependent.
10. Can I have multiple life insurance policies?
Yes, you can have multiple life insurance policies from different insurers. This can be a good way to increase your coverage or diversify your policy options.