If something happened to you tomorrow, would your family be okay?
Life insurance isn’t about you — it’s about the people counting on you. We compare term, whole, final expense, and annuity options across 30+ A-rated carriers to find coverage that actually fits your budget and your family’s needs, with no single-carrier pitch.
Term, Permanent, Final Expense & More
The right structure depends on what you’re protecting against — a mortgage and young kids look very different from estate planning or final expenses.
Term Life Insurance
- Typical term lengths10, 20, or 30 years
- Cash valueNone
- Best forMortgage, income replacement, young families
Permanent Life Insurance (Whole & Universal)
- Coverage lengthLifetime
- Cash valueYes, grows over time
- Best forEstate planning, lifelong dependents, wealth transfer
Final Expense Insurance
- Typical coverage amount$5,000–$40,000
- Common ages50–85
- Medical examOften not required
Living Benefits (Accelerated Death Benefit Riders)
- Triggered byChronic, critical, or terminal illness
- Who it helpsYou, while you’re still living
- CostOften included or low-cost add-on
Annuities
- FixedGuaranteed rate
- IndexedMarket-linked, downside protected
- ImmediateIncome starts right away
How Much Life Insurance Do You Actually Need?
A quick estimate using the income-replacement method — the same starting point we use with clients.
Term vs. Whole Life, Compared
Both protect your family — they just do it in very different ways.
| Term Life | Whole Life | |
|---|---|---|
| Coverage length | A set period (10, 20, or 30 years) | Your entire life, as long as premiums are paid |
| Premium cost | Lower — often the most affordable option | Higher, but fixed for life |
| Cash value | None | Yes — grows over time, can be borrowed against |
| Premium changes | Fixed for the term, then expires or renews much higher | Fixed for life, never increases |
| Best for | Covering a specific need — a mortgage, years until kids are grown | Lifelong needs — estate planning, final expenses, wealth transfer |
| Typical buyer | Young families, anyone on a budget | Those wanting permanent coverage or a savings component |
Been Declined Before? We Handle Hard-to-Place Cases
Most life insurance involves some level of health underwriting — but a decline from one carrier doesn’t mean you’re uninsurable. We have access to specialty carriers for applicants with prior health conditions, diagnoses, or lifestyle factors that standard carriers turn away. It’s always worth a second look before assuming you don’t qualify.
Life Insurance & Annuities, Quickly Explained
How much life insurance do I actually need?
A common starting point is 10–12 times your annual income, adjusted for debts (like a mortgage) and future obligations (like college). We’ll walk through your specific numbers rather than hand you a generic formula.
Is the death benefit taxable to my beneficiaries?
Generally no — life insurance death benefits are typically paid out tax-free to your named beneficiaries and bypass the delay and expense of probate in most cases.
Can I name more than one beneficiary?
Yes. You can split the benefit however you’d like among multiple beneficiaries, and choose whether a deceased beneficiary’s share passes to their descendants (per stirpes) or is redistributed among the surviving beneficiaries (per capita).
What's the difference between an annuity and life insurance?
They solve opposite problems. Life insurance protects against dying too soon, paying a benefit to your family. An annuity protects against living longer than your savings last, paying income to you.
Do I need a medical exam?
It depends on the product and coverage amount. Many term and permanent policies require a brief exam; final expense and some simplified-issue policies often don’t. We’ll tell you upfront what to expect for the specific products you’re considering.
*Sample premium shown is for a healthy, non-smoking applicant and is illustrative only — actual rates depend on age, health, coverage amount, and carrier. Pathway Health Insurance Experts, Inc. represents multiple carriers; we do not offer every plan or carrier available in your area.
Protect the people who depend on you
A quick call is all it takes to find the right coverage at the right price — free, no obligation.