Learn about life insurance — in plain language

Guides

• Coverage

  How much term life insurance do I actually need?

  A simple framework most agents won't share — replace your income, cover your debts, and add for kids.

• Cost

  Why term life is cheaper than people expect

  The honest math on why a 35-year-old in good health pays less for $500K than a streaming subscription bundle.

• Underwriting

  Do you actually need a medical exam?

  Carriers have changed. Here's when no-exam policies make sense — and when they cost you more than they save.

Common questions

What's the difference between term and whole life?

Term is pure protection for a set number of years. Whole life is permanent with a cash value component, but costs 5–10× more. For most families, term is the right fit.

How long does it take to get covered?

Usually 2 to 4 weeks from application to approval. No-exam paths can be faster.

Is the payout taxed?

No. Death benefits are income tax-free to your beneficiaries.

Will my rate go up?

No. Term rates are locked for the entire term.

Can I cancel?

Yes. Free-look period of 10–30 days for a full refund. Cancel anytime after that.

What if I already have coverage through work?

Group coverage is usually only 1–2× your salary and you lose it if you leave the job.