PersonalLife
Personal insurance
Life insurance
Replaces your income for the people who depend on it. Term life is simple, inexpensive, and usually the right answer.
In plainEnglish
Life insurance is a promise to pay a set amount to the people you name. Term life covers a set number of years for a fixed price. Permanent policies last longer and cost more. We generally start with term and only look further when there is a specific reason to.
Covers
- A fixed payout to your beneficiaries
- Level premiums for the length of the term
- Optional riders for children or disability
Doesn’t cover
- Death within the two-year contestability window from undisclosed conditions
- Some high-risk activities unless rated
Who needs it
- Parents of children who are not yet independent
- Anyone with a mortgage and a partner
- Business owners with partners or key employees
When itcomes up
Situations & professions
Where life shows up in real life.
Nextstep
Ready to see life options?
A few questions, your ZIP, and we’ll show you which market fits before you give us a phone number.