Four core products. Right-sized to the moment you're in.
Term life, whole life, no-exam, and final expense coverage — what each one is, who it's for, and the trade-offs nobody else explains.
Term Life
10–30 years of coverage at the lowest cost. Best for new mortgages, growing families, and earned-income protection.
- Maximum coverage per dollar
- Predictable premium for the term
- Convertible to permanent (most carriers)
Whole Life
Permanent coverage with cash value. Predictable premium for life, useful for legacy and tax planning.
- Coverage that never expires
- Builds cash value over time
- Estate / legacy planning tool
No-Exam Coverage
Approval in 24–72 hours with no medical exam. Great for truckers, busy parents, and anyone who needs coverage now.
- No paramed appointment
- Approval in 1–3 days
- Coverage typically up to $500K
Final Expense
A small whole life policy, $2K–$80K, built to cover the funeral and the last bills. No exam, and the rate never goes up.
- Health questions, no medical exam
- Premium locked for life
- Estimate your premium in 2 minutes
Choosing between coverage types.
Which type is right for most people?
For most working families, a 20- or 30-year term policy sized to the mortgage and 5–10 years of income covers the highest-stakes years at the lowest cost. Whole life, no-exam, and final expense policies have specific use cases — we'll match you to the right one.
Can I have more than one policy?
Yes. Many people 'ladder' multiple terms (e.g., a 20-year + 10-year stack) so coverage right-sizes as kids grow and debt pays down. We'll architect this if it's the cheapest path to your protection goal.
Will I pass underwriting?
Most people will. Some health events (recent cancer treatment, uncontrolled diabetes, recent DUIs) can cause challenges — we'll be honest about what carriers will fit before you spend time on a medical exam. If age or health has closed the door on fully-underwritten coverage, final expense almost always still says yes.
What's the difference between no-exam and final expense?
Both skip the medical exam, but they're built for different jobs. No-exam is income replacement — $25K to $500K, priced for people who'd pass underwriting and just don't want the paramed visit. Final expense is a small permanent policy, $2K to $80K, priced for people whose age or health makes bigger coverage expensive or unavailable, and it never expires.
Talk to a licensed agent about your coverage.
Free, no-obligation quotes from multiple A-rated carriers. Prefer to start with paperwork? Ask for our free Will Kit.