Compare Life Insurance

Term, IUL, and final expense — one licensed agent, and a straight answer on which fits.

No cost. No pressure. Takes about 2 minutes.

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The three types

Every life policy we compare, in one place

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Term life

A 10, 20, or 30-year window sized to the years someone depends on your income. Premiums lock for the whole term.

How long it lastsA window you pick: 10, 20, or 30 years
What it’s best atMaximum benefit per premium dollar
Cash valueNone — that’s why it’s cheap
UnderwritingHealth questions; sometimes an exam
Typical face amounts$250K – $2M+
PremiumsLocked level for the whole term
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Indexed universal life

Permanent coverage with cash value linked to a market index: floored at 0% in down years, capped in up years.

How long it lastsYour whole life, while it stays funded
What it’s best atLifetime cover plus tax-deferred cash value
Cash valueYes: index-linked, floored at 0%
UnderwritingFull underwriting for the best classes
Typical face amounts$100K – $1M+
PremiumsFlexible: you set them, within limits
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Final expense

A permanent policy sized to the funeral and final bills, issued at ages 50–85 with health questions, no exam.

How long it lastsYour whole life
What it’s best atSettling the funeral and final bills
Cash valueModest, builds slowly
UnderwritingHealth questions only, no exam
Typical face amounts$5K – $50K
PremiumsLocked level for life

Availability, riders, and face amounts vary by carrier and state. A licensed agent confirms what’s real for your ZIP code, and says plainly when the cheaper tool is the better one.

A decision about your people, made with a real person.

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Frequently asked questions

GetHealthPlans.com licensed agent GetHealthPlans.com licensed agent Answers by our licensed team Reviewed for accuracy Updated August 3, 2026

A common starting point is 10–12× your annual income, then adjust: add the mortgage balance and future tuition, subtract savings and existing coverage. An agent does this math with you in a few minutes. Most people are surprised which direction it moves.

Match the tool to the obligation. Obligations that end (a mortgage, kids at home, working years) point to term. Obligations that never end (final costs, a lifelong dependent, estate planning) point to permanent. Many households sensibly hold both: a large term policy plus a small permanent one.

It depends on age, health, tobacco use, the amount, and the tool, which is why we don’t print made-up numbers. Healthy applicants in their 30s are usually surprised how little a large term policy runs. We quote real carriers for your situation in about 2 minutes, at no cost.

Employer group life is a nice perk, but it’s usually only 1–2× salary and it ends when the job does, including at retirement, exactly when replacing it gets expensive. Think of it as a supplement, not the plan.

Life insurance death benefits are generally income-tax-free to your beneficiaries, paid as a lump sum they can use for anything. Very large estates can face estate-tax considerations; an agent will flag that if it applies to you.

Yes, and it’s often smart. “Laddering” two or three term policies of different lengths, or pairing term with a small permanent policy, matches coverage to obligations as they shrink. Carriers just verify total coverage is reasonable against income.

See which life policy fits your people

Term, permanent, or final expense, compared across carriers in plain English. No cost. No pressure.

Or call +1 (888) 885-6520 to talk with a licensed agent.