Guides written to be read before you speak to anyone selling you a policy. Every rate figure we publish names its source and the date that source was published, and none of them is a quote.
How much life insurance do I need?
The ten-times-income rule and the DIME method, worked through with real numbers on a real household — and the three places each one misleads.
Read the guide →Term vs whole life insurance
What the cash value in a whole life policy is actually worth, what “buy term and invest the difference” assumes, and the four situations where permanent cover genuinely wins.
Read the comparison →Start with the product guides
Life insurance explained
The whole subject in one page: what it does, who needs it, the four products, and what each costs.
Read →How much does life insurance cost?
Average monthly rates by age from four published sources — and why they disagree with each other by up to double.
Read →No medical exam life insurance
Up to $3 million without bloodwork, decisions in minutes, and what the carrier checks instead.
Read →Final expense and burial insurance
What small whole life policies cost at 60 through 80, and the waiting period that decides what your family receives.
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