Coverage that fits how your family actually lives
Four ways we help working families protect their income and their loved ones. We'll walk through which combination makes sense for you.
Term Life Insurance
Term life covers you for a set period, typically 10 to 30 years, at the lowest cost per dollar of coverage. It's built for the years your family depends on your income most: while you're paying down a mortgage or raising kids.
- Level premiums for the full term
- Coverage amounts sized to your mortgage or income
- Option to convert to permanent coverage later
Whole Life Insurance
Whole life stays in force for your entire life, as long as premiums are paid, and builds cash value you can borrow against later. It costs more than term, but the coverage and the premium never change.
- Coverage that never expires
- Cash value grows on a tax-deferred basis
- Premiums locked in from day one
Accidental Insurance
A lump-sum benefit that pays out quickly after a covered accidental injury, on top of whatever health insurance already covers.
Talk to an AdvisorFast payout
Claims are built to move quickly when your family needs cash the most.
Stacks with health coverage
Pays out regardless of what your medical plan already covers.
Covers everyday accidents
From a broken bone on the playground to a fall at home.
No routine exam required
Straightforward enrollment for most working families.
Paycheck Protection
Your family's budget depends on your paycheck arriving, not just on you being insured if the worst happens. Paycheck protection replaces a portion of your income if illness or injury keeps you out of work, so rent, groceries, and bills stay covered while you recover.
- Monthly income replacement while you're out of work
- Available for both short-term and longer recoveries
- Works alongside employer sick leave, not instead of it
- No hoops to jump through to start a claim
Not sure which plan fits?
Tell us about your family and we'll recommend a starting point, no pressure either way.