Life insurance
Life Insurance
Permanent whole life coverage sized for final expenses, legacy gifts, and debt protection. Level premiums and a guaranteed death benefit that never decreases.
The quick version
If you only read one thing, read this
- 1
Pays a tax-free death benefit to beneficiaries for any purpose: funeral/burial costs, medical bills, debts, or legacy gifts.
- 2
Premiums typically $35–$90/month based on age, face amount, tobacco use, and health classification.
- 3
Simplified underwriting with health questions (no medical exam); guaranteed issue tiers available with graded benefits for harder-to-insure applicants.
The details
The stuff that matters, one piece at a time
Benefits
Pays a tax-free death benefit to beneficiaries for any purpose: funeral/burial costs, medical bills, debts, or legacy gifts.
What it costs
Show me the money
- Pricing Pattern
- VariesDepends on product type & chosen benefit amount
- Typical Premium Range
- $18–$90/moDental lowest; final expense highest
- Typical Premium
- $35–$90/moBased on face amount, age, health class
- Face Amount Range
- $5,000–$50,000Tax-free death benefit
- Premium Lock
- LevelLocked at issue; never increases
The honest take
What's good, and where it falls short
The good stuff
- Tax-free death benefit for any use by beneficiaries
- Level premiums locked at issue. They never increase
- No medical exam required
The catch
- Graded benefit options pay less in first 2–3 years
- Face amounts modest ($5k–$50k) vs traditional whole life
- Premiums higher per dollar of coverage than term life
Head to head
Hospital Indemnity vs. Cancer Insurance
Different add-on products target different financial risks. Choose based on your gap analysis.
Buyer beware
The mistakes that cost folks the most
Not understanding graded benefit terms. Death in the first 2–3 years may only return premiums paid plus interest
Buying more coverage than needed and overpaying premiums that could go toward savings instead
Replacing an existing policy to get a different one may require new underwriting and restart the graded period
Common questions
What folks ask us most
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See the plans and the prices. Or talk it through with a licensed agent who works for you, not the insurance company.