What to buy, how much, and what it should cost. Read what's useful. Skip the rest. Nobody calls unless you ask them to.
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Some people don't. If none of these describe you, close the tab and get your Saturday back.
Checked one? The next ten minutes are worth spending.
See what fitsThe three you'll hear about
Coverage that runs for a set number of years. If you die during that window, your family gets the payout.
Rent the coverage. Drop it once the kids move out and the mortgage is paid.
Coverage that never expires and slowly builds a cash value you can borrow against.
You're paying for insurance and a savings account that would embarrass most banks.
A small policy sized to cover funeral costs and last bills. Nothing more.
Enough to bury you, not enough to change your family's life.
The actual number
Healthy non-smoker, 20-year term, $500,000 in coverage. Ballparks, not a quote. Your rate depends on age, health, and how much coverage you buy.
Smokers, higher coverage amounts, and serious medical history push these numbers up. Nothing here is a quote.
The stuff people say
A few quick questions
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How this works
Pick the guides that answer your questions. Ignore the rest. Nothing is required reading.
Take the quiz to get a coverage number in about two minutes. Keep it, share it, or throw it out.
When you're ready, we'll connect you with a licensed advisor. Only if you want. Never before.
From actual people
"I'd been putting this off for four years. The whole thing took a Saturday morning."
"Got a coverage number that actually made sense for our mortgage. Bought the policy from my couch."
"Nobody tried to sell me anything. I read what I needed and left. Came back a month later ready."
Reading
A back-of-napkin number in three inputs. No calculator app required.
Read
The tradeoff nobody explains, without the pitch that usually follows.
Read
What to think about in year one, when you have zero spare hours.
Read