Coverage that holds up. Advice on your side.

It depends mostly on age, health, tobacco use, coverage amount and term length. As a reference point, a healthy non-smoking 35-year-old can typically get $500,000 of 20-year term life insurance for about $25–$40 a month. Whole life and final expense cost more per dollar of coverage because they last for life. We quote several A-rated carriers side by side so you see the real price for your situation.

A common starting point is 10 to 15 times your annual income, adjusted for your mortgage balance, debts, the number of years your children will depend on you, college plans and any savings or employer coverage you already have. A stay-at-home parent should be insured too, because replacing childcare and household work costs real money.

Term life covers you for a set period (usually 10 to 30 years) at the lowest cost, and pays only if you pass away during that term. Whole life covers you for your entire life, has a premium that never increases, and builds guaranteed cash value. Most working families with a mortgage and children are best served by term; whole life fits legacy, estate and final-expense goals.

Yes. Many of our carriers offer no-exam life insurance, generally up to about $500,000 for healthy applicants under 60. Underwriting uses your application, prescription history and records instead of a blood draw. If you are in good health, a fully underwritten policy with an exam can sometimes be cheaper, so we show you both.

No-exam policies can be approved in as little as 24 to 72 hours. Fully underwritten policies with a medical exam usually take two to four weeks. Final expense policies are often approved the same day you apply.

Often, yes. Carriers judge health conditions very differently, so the same applicant can be rated standard at one company and declined at another. Controlled type 2 diabetes, treated sleep apnea with CPAP compliance, and a heart attack several years in the past are all commonly insurable. We match you to the carriers known for fair underwriting of your condition.

An independent agency is appointed with multiple insurance companies, so we can compare their policies and recommend the best fit. A captive agent can only sell one company's products. Working with us costs you nothing extra: the carrier pays our commission, and premiums are the same as buying directly.

We are appointed with A-rated carriers including Mutual of Omaha, Foresters Financial, American Amicable, AIG / Corebridge, Prudential, Transamerica, Banner Life and Pacific Life. Which ones we quote depends on your age, health, state and the type of coverage you need.

Yes. VGLI premiums rise every five years, and by your mid-50s private term coverage is often far cheaper for the same benefit. We run the side-by-side numbers and work with carriers that underwrite service-connected conditions fairly.

In most cases, no. Life insurance death benefits paid to a named beneficiary are generally free of federal income tax. Estate tax can apply to very large estates, and there are exceptions, so confirm your situation with a tax professional.

Good Life Insurance Group is located at 1201 S Alma School Road, Unit 12-200, Mesa, AZ 85210. We are open Monday through Friday, 8:00 AM – 5:00 PM, Arizona time (MST), with weekend appointments available. Call 480-576-7911 to speak with a licensed agent, or meet with us by phone or video from anywhere in our licensed states.

Arizona is our home state, and we are also licensed in Texas, Nevada, Colorado, Florida, Georgia. If you live somewhere else, call us and we will refer you to a trusted agent in your state.