Term life covers you for a set period (10, 20, or 30 years) and pays a death benefit if you pass away during that time. It's the most affordable option and works well for income replacement, mortgage protection, and family coverage.

Permanent life (whole life, IUL, GUL) covers you for life and may accumulate cash value over time. It's more complex and typically requires a custom illustration rather than an instant online quote.

If you're exploring permanent or cash value coverage, visit our design request page instead.

A common starting point is 10–12 times your annual income, but the right number depends on your debts, dependents, mortgage balance, years until retirement, and whether a spouse would continue working.

Choosing a round number to start is fine — a licensed agent can help you refine it before you apply.

• Your age (date of birth will be needed at application)
• State of residence
• Desired coverage amount and term length
• Tobacco/nicotine use status
• Estimated health class (Preferred Plus down to Standard)

Final rates and eligibility are determined by carrier underwriting after you apply. Preliminary quotes are estimates only.