Four core products. Right-sized to the moment you're in.
Term life, whole life, no-exam, and final expense coverage — what each one is, who it's for, and the trade-offs nobody else explains.
Term Life
10–30 years of coverage at the lowest cost. Best for new mortgages, growing families, and earned-income protection.
- Maximum coverage per dollar
- Predictable premium for the term
- Convertible to permanent (most carriers)
Whole Life
Permanent coverage with cash value. Predictable premium for life, useful for legacy and tax planning.
- Coverage that never expires
- Builds cash value over time
- Estate / legacy planning tool
No-Exam Coverage
Approval in 24–72 hours with no medical exam. Great for truckers, busy parents, and anyone who needs coverage now.
- No paramed appointment
- Approval in 1–3 days
- Coverage typically up to $500K
Final Expense
A small whole life policy, $2K–$80K, built to cover the funeral and the last bills. No exam, and the rate never goes up.
- Health questions, no medical exam
- Premium locked for life
- Estimate your premium in 2 minutes
Choosing between coverage types.
Which type is right for most people?
For most working families, a 20- or 30-year term policy sized to the mortgage and 5–10 years of income covers the highest-stakes years at the lowest cost. Whole life, no-exam, and final expense policies have specific use cases — we'll match you to the right one.
Can I have more than one policy?
Yes. Many people 'ladder' multiple terms (e.g., a 20-year + 10-year stack) so coverage right-sizes as kids grow and debt pays down. We'll architect this if it's the cheapest path to your protection goal.
Will I pass underwriting?
Most people will. Some health events (recent cancer treatment, uncontrolled diabetes, recent DUIs) can cause challenges — we'll be honest about what carriers will fit before you spend time on a medical exam. If age or health has closed the door on fully-underwritten coverage, final expense almost always still says yes.
What's the difference between no-exam and final expense?
Both skip the medical exam, but they're built for different jobs. No-exam is income replacement — $25K to $500K, priced for people who'd pass underwriting and just don't want the paramed visit. Final expense is a small permanent policy, $2K to $80K, priced for people whose age or health makes bigger coverage expensive or unavailable, and it never expires.
Start with the free Will Kit. No pressure, no obligation.
We'll mail your kit, then schedule a 15-minute review whenever you're ready.