Term Life Insurance
Coverage for a set number of years — usually 10, 20, or 30 — at the lowest cost per dollar of death benefit. It covers the stretch of life when other people depend on your income.
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Our solutions
Insurance solutions and financial education
Five kinds of life insurance and one education service. Every page below explains what the product is in plain language, who it fits, who it does not fit, and what drives the price — before it asks you for anything.
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Start with what you are trying to protect
If you already know which one you want, go straight to it. If you do not, the comparison table below is the fastest way to narrow it down.
Whole Life Insurance
Permanent coverage with a level premium, a guaranteed death benefit, and cash value that builds on a schedule set in the contract. Predictable by design.
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Indexed Universal Life Insurance
Permanent coverage with adjustable premiums and cash value credited using the movement of a market index, within limits the carrier sets. More flexible than whole life, and more moving parts to understand.
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Key Person Insurance
A policy the business owns on the person it cannot easily replace. If that person dies, the benefit goes to the company to cover the gap while it recovers.
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Final Expense Insurance
A smaller permanent policy, typically $5,000 to $25,000, built to cover funeral costs and the bills that arrive with them. Easier to qualify for than fully underwritten coverage.
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Credit Education & Coaching
Education about how credit reporting works, how to read your own report, and how credit intersects with the wealth you are building. Not credit repair, and not a promise of any outcome.
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Side by side
How the five insurance products compare
Credit education is included below for completeness, but it is a coaching service, not insurance.
| Product | Coverage length | Cash value | Typical use case | Who it fits |
|---|---|---|---|---|
| Term Life Insurance | Fixed term: 10–30 years | None | Income replacement, mortgage, raising children | Most coverage for the least money during your working years |
| Whole Life Insurance | Lifetime | Yes — guaranteed schedule | Legacy transfer, final expenses, estate liquidity | People who want certainty and permanent coverage |
| Indexed Universal Life Insurance | Lifetime, if adequately funded | Yes — credited via an index, not guaranteed | Long-horizon coverage with premium flexibility | People who can fund consistently and want flexibility |
| Key Person Insurance | Term or permanent, business-owned | Depends on policy type | Business continuity, buy-sell funding, loan requirements | Owners, partners, and businesses with essential staff |
| Final Expense Insurance | Lifetime | Yes — modest | Funeral costs, small debts, final medical bills | Adults 50–85 who want a smaller, simpler policy |
| Credit Education & Coaching | Coaching engagement | Not an insurance product | Understanding credit reports and borrowing costs | Anyone preparing to borrow, buy, or build |
Coverage is subject to underwriting approval. Guarantees are backed by the claims-paying ability of the issuing carrier. Product availability, features, and rates vary by state and by carrier.
Not sure which one fits?
That is the normal starting point, and it is a good reason to talk to somebody rather than guess. Tell us your situation and a licensed agent will walk you through the options that actually apply to you.
Prefer to write it out? Send us a message instead.
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