Life insurance for families

Protect the people who matter most

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  • Licensed agent
  • Built around your budget
  • No medical exams
  • Instant coverage options
Example family plan For illustration
Coverage amount

$250,000

Policy type
Indexed universal life
Coverage length
Lifetime
Cash value
Builds over time

How it works

  1. Answer a few questionsJust a few minutes
  2. We build your optionsWithin 1 business day
  3. Choose what fitsNo obligation to buy
Illustration only. Actual coverage, cash value and rates depend on the policy and underwriting.

About

Guidance you can understand. A person you can reach.

We help families choose life insurance with confidence.

We explain your options in plain English, build coverage around what you can comfortably afford, and stay with you after the policy is in place. And when the day comes that your family needs to use it, we’re who they contact.

  • Licensed and accountable

    Every recommendation comes from a licensed agent who has to explain it, and stand behind it.

  • Plain-English advice

    You’ll learn how each option works so you can decide for yourself.

  • Built around your budget

    Share what you can spend each month and you’ll see the coverage that fits inside it.

  • Here when it matters

    From your first question to a claim years from now, your family has a real person to contact.

Coverage options

The right coverage for where you are in life

Whether you want lifelong protection that builds value, coverage for the years your family depends on you most, or help with a mortgage, there’s a policy built for it.

Featured coverage

Indexed universal life (IUL)

Permanent life insurance that also builds cash value. Part of each premium goes into a cash value account that earns interest linked to a market index, such as the S&P 500, without being invested in the market directly.

  • Lifelong coverage, as long as the policy stays funded
  • Cash value that can grow tax-deferred, with a floor that protects it from index losses
  • Flexible premiums, and the option to borrow against your cash value later

Interest credits are subject to caps and policy charges. Loans and withdrawals reduce the cash value and death benefit.

Get an IUL quote

Term life

Coverage for a set period, typically 10, 20 or 30 years, while your family depends on your income most. Often the most affordable way to get a large amount of protection.

Whole life

Lifelong coverage with fixed premiums and a guaranteed cash value that grows over time.

Mortgage protection

Coverage sized to your mortgage, so your family can stay in the home if something happens to you.

Final expense

A smaller whole life policy designed to cover funeral and end-of-life costs, with a simple application and no medical exam.

Coverage review

Already have a policy? We’ll look at what you have, check whether it still fits your family, and explain any gaps in plain English.

Request a review

Claims

When your family needs it, we’re here

If you’ve lost someone, we’re so sorry. You don’t have to figure this out alone. Here’s what the process looks like, and we’ll guide you through each step.

  1. Reach out first

    Let us know what happened. You’ll get help understanding what comes next and contacting the insurance company.

  2. Gather a few documents

    Usually a certified copy of the death certificate and the policy number. You’ll be told exactly what the insurer needs.

  3. File the claim

    We’ll help you complete the claim forms, submit them to the insurer and follow up, so you’re never left wondering where things stand.

  4. The benefit is paid

    Once the insurer approves the claim, the benefit is paid to the beneficiaries, usually as a single lump sum.

FAQ

Common questions

Don’t see yours? Email us and you’ll get an answer within 1 business day.

How much life insurance do I need?

A common starting point is about 10 times your yearly income, plus debts like a mortgage and future costs like college. The right number depends on your family, so we’ll help you work it out.

What’s the difference between term and permanent coverage?

Term life covers you for a set number of years and usually costs the least. Permanent coverage, like whole life or indexed universal life, can last your whole life and builds cash value, so it costs more each month.

How does indexed universal life build cash value?

Your cash value earns interest based on how a market index performs, up to a limit called a cap. When the index falls, a floor (often 0%) keeps your credited interest from going negative.

Your money isn’t invested in the market directly, and policy charges are taken out along the way, so it’s worth going over the details together.

Will I need a medical exam?

No. None of our policies require a medical exam. Everything is done virtually, so there’s no doctor visit and no needles. You’ll answer a few health questions, and we’ll walk you through each step before you apply.

Does it cost anything to get a quote?

No. Getting a quote is free and there’s no obligation to buy.

Where is coverage available?

In every state except New York.

Contact & quote

Let’s find coverage that fits

Answer a few questions and we’ll put together options for your family. Prefer to talk? Call any day from 8am to 8pm Pacific.

Request your Quote

Takes just a few minutes. No medical exams, no obligation.

Start your quote

We’ll contact you within 1 business day to go over your options.