Coverage for every stage of life.
Four products, four different jobs. Here is what each one actually does, who it suits, and where it goes wrong — so you can walk into the conversation already knowing.
Six questions. One honest starting point.
Answer six quick questions about who depends on you and what you are protecting. We will show you which of our four products usually fits that situation — and why.
Which one fits your situation?
Prefer to skip the questions? Most people arrive knowing what they need to protect, not which product does it. Find your sentence below.
In detail.
Term Life
Maximum protection per dollar for the years that matter most — the mortgage, the kids, the career build.
10 – 40 Year TermsNo. IIWhole Life
Permanent coverage with guaranteed cash value that grows every year you hold it.
Guaranteed GrowthNo. IIIIndexed Universal Life
Protection linked to market upside with a floor at zero — growth potential without volunteering for losses.
0% FloorNo. IVFinal Expense
Simplified-issue coverage that settles the last bill quietly, so grief is the only thing your family carries.
No Medical ExamThe comparison, without the sales angle.
| Product | Best for | Duration | Premium | Cash value | Medical exam | Relative cost |
|---|---|---|---|---|---|---|
| Term Life | Protecting a defined window | 10 – 40 years | Level during term | None | Often waived | Lowest cost |
| Whole Life | Guarantees that never expire | Lifetime | Level for life | Guaranteed growth | Usually required | Highest cost |
| Indexed Universal Life | Long-horizon accumulation | Lifetime if funded | Flexible | Index-linked, 0% floor | Usually required | High cost |
| Final Expense | Funeral and final bills | Lifetime | Level for life | Modest | None | Moderate cost |
Relative cost compares the same death benefit for the same person. A permanent policy costs multiples of term because it is designed to pay out rather than expire — that difference is the product working as intended, not a markup.
If the honest answer for your situation is the cheapest product here, that is the one we will recommend. Availability, features, and pricing vary by state and carrier and are subject to underwriting. See our Licensing & Disclosures.
Not sure? That is the normal starting point.
Tell us who depends on you and for how long. We will tell you which of these four actually fits — including when the answer is the smallest one.