Life insurance
The right amount, for the right number of years.
Most people are either uninsured or over-sold. Both are expensive. We size coverage to the obligation, then find the carrier that prices your profile best.
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What each type actually does
Every cell is filled in, including the unflattering ones.
Pure protection for a fixed period. The most coverage per dollar, and nothing else.
- What it's for
- Income protection for a defined window
- How long it lasts
- 10, 15, 20 or 30 years
- Premium
- Lowest cost per $1,000 of benefit
- Cash value
- None
- Growth
- Not applicable
- Access to cash value
- Not available
- Expiry
- Coverage ends at the end of the term
- Typically suits
- Young families, mortgages, business loans
Coverage model
Model your own number
Indicative level-term pricing for a healthy non-smoker, shown as a band because underwriting class, carrier and state all move it.
Recommended coverage
$2.29M
$2,288,000 total benefit
- Income replacement
- $1,840,000
- Dependents
- $300,000
- Debt
- $148,000
Level term, healthy non-smoker, 20-year term.
This is an illustrative planning model, not a quote or an offer of insurance. Final premiums depend on age, health, underwriting class, carrier and state of issue.
Get an exact quoteUnderwriting
What decides your premium
Nothing here is a secret. Knowing the levers is how you avoid overpaying.
Age and gender
The single biggest lever. Rates step up sharply after 45, and each birthday is priced.
Build and blood pressure
Height, weight and readings taken at the exam or pulled from records set your rate class.
Nicotine use
Any nicotine in the last 12 months typically doubles or triples the premium. Cessation matters.
Family history
Cardiac events or cancer in a parent before 60 can move you down a class, not disqualify you.
Prescriptions and records
Carriers pull a prescription database. Disclose everything — nondisclosure is what voids claims.
Driving and avocations
DUIs, recent violations, aviation and scuba are rated separately from health.
Process
From first call to policy in force
Expect four to eight weeks end to end for a fully underwritten policy. Simplified-issue and accelerated paths can close in days at a higher cost per thousand.
Start the conversation- 01
Needs analysis
Income, debt, dependents and what already exists at work.
- 02
Carrier shortlist
We pre-screen your profile against carriers whose niches fit it.
- 03
Application and exam
Most cases include a paramed exam; some qualify for accelerated underwriting.
- 04
Underwriting
Typically two to six weeks, depending on records and the amount at risk.
- 05
Offer and delivery
You review the issued class and premium before a dollar is paid.
Life insurance and annuities are not FDIC insured, are not bank deposits, are not guaranteed by any bank, and may lose value.