Life Insurance

Term is the most cost-effective income protection. Whole and IUL policies layer in cash value accumulation. We show you both scenarios side by side so you can decide.

Now. Premiums are based on age and health, every year you wait increases the cost. We often see 20-40% premium differences between buying at 30 vs. 35.

A common starting point is 10–12x your income, but we calculate based on your specific debts, dependents, income trajectory, and legacy goals.

A healthy nonsmoker in their 30s can often get a $500,000, 20-year term policy for about $25 to $40 a month, rising to roughly $47 to $70 in their 40s. Whole life costs several times more but builds cash value. Age and health drive the price, so buying sooner locks in less. See our pricing page for ranges by age.

You pay a premium, and if you pass away while the policy is in force, your beneficiaries receive a tax-free death benefit. Term insurance covers a set period, such as 20 or 30 years, at the lowest cost, while permanent insurance lasts your whole life and builds cash value. Your rate is set during underwriting based mainly on your age and health, which is why buying earlier and healthier locks in a lower price.