We offer term life insurance (ages 20-65) and guaranteed issue whole life insurance (ages 65-85). Our term options range from 10 to 30 years, with coverage amounts from $$20,000 to $$2 million, depending on your eligibility.

Employer-sponsored policies typically offer coverage equivalent to about 1 to 2 times your annual salary, which is a fraction of the coverage you need. Financial experts recommend having coverage equivalent to about 10 times your salary, which is why many people purchase individual life insurance policies to supplement their coverage while they work.

A common and easy way to calculate a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill. It can be difficult to know what to include in your calculations, so we’ve created a life insurance calculator to help you determine your coverage needs.

Yes. Our application is 100% free and will not affect your credit score. Plus, every policy comes with a 30-day free trial with a money-back guarantee, so if you’re not satisfied, you can get a full refund if you cancel within the first 30 days of purchase. After the first 30 days, you can cancel your policy at any time, for any reason. There are no cancellation fees or penalties if you choose to cancel your policy. You can cancel your policy by calling or emailing us and requesting a cancellation form to sign electronically. We will cancel your policy upon receipt, and there are never any cancellation fees.