Clear cover, honest pricing and a licensed agent who actually picks up the phone. Most families get a firm offer in under 90 seconds — no medical exam required on many plans.
No obligation. No sales calls unless you ask for one.
$14/mo
Healthy 30-year-old · $250,000 cover
1.2M
Families protected
$48B
Coverage in force
4.2 days
Average claim payout
98%
Claims approved first time
Every policy below is underwritten by an A+ rated carrier and serviced by a named adviser you can call by name. Not sure which one? The estimator below points you in the right direction.
Most popular
Straightforward cover for a set number of years, while the mortgage, the school fees and the growing-up are all still ahead.
$14per month, from
Get term quote
Lifetime cover
Cover that never expires, with a cash value that builds quietly in the background — the closest thing to certainty in a policy.
$148per month, from
Get whole quote
Flexible
Permanent cover where you steer the premium and the death benefit. Built for incomes that swing — freelance years, bonuses, career breaks.
$96per month, from
Get universal quote| Compare | Term life | Whole life | Universal life |
|---|---|---|---|
| How long it lasts | 10–30 years, then renews or ends | Your whole life | Your whole life |
| Premium | Lowest — locked and level | Fixed for life | Flexible, you steer it |
| Cash value | None | Guaranteed growth | Indexed growth |
| Best for | Raising children, paying off a mortgage | Legacy, final costs, lifelong certainty | Variable income, changing needs |
| Cover amount | Fixed | Fixed | Adjustable up or down |
| Typical starting price | $14 / month | $148 / month | $96 / month |
Most people guess too low. Slide your numbers below and see what it takes to keep the household standing — then take it to an agent for a firm figure.
Premiums rise with age — locking in early is the single biggest saving.
Before tax, everyone contributing.
10 years covers most families through school and into independence.
Mortgage, car loans, credit cards, student debt.
We allow $30,000 per child toward education and care.
Liquid savings plus any life cover you already hold.
$1,010,000
Reasonsable range: $960,000 – $1,060,000
Estimated premiumThis is an educational estimate built on the income-replacement method. It is not a quote, an offer, or advice. Final cover and pricing depend on your health, occupation and the carrier's underwriting.
A named beneficiary receives the benefit directly — no will, no waiting on the estate.
The benefit goes to the people you name — not to a queue of creditors or a long court process. It takes ten minutes now and saves your family months later.
Name who you want first, then a backup in case they can't receive it. Most families split between a partner and children.
Revocable means you can change your mind any time. Irrevocable locks it in — useful for estate planning, but talk to an adviser first.
A child can't legally receive a lump sum. Name a guardian and set up a trust so the money is managed until they're grown.
Marriage, divorce, a new baby, a death. Every one of them is a reason to re-read your form. We'll remind you every year.
Step 01
Full legal names, dates of birth and the share each person receives. Percentage or equal split — your call.
Step 02
A contingent beneficiary means a delay in one place doesn't become a delay everywhere.
Step 03
We store the form with your policy, hand your family a one-page summary, and check it with you once a year.
Search by postcode or city. Every adviser below is state-licensed, works on salary rather than commission, and will tell you when you don't need to buy.
Showing 4 of 1,400 advisers · sorted by distance from you.
Senior adviser · 14 yrs
San Francisco, CA
4.9 · 612 reviews
Book a call
Licensed adviser · 9 yrs
Austin, TX
4.8 · 388 reviews
Book a call
Adviser · business cover
Seattle, WA
4.9 · 274 reviews
Book a call
Senior adviser · 11 yrs
Chicago, IL
5.0 · 431 reviews
Book a callNobody near you? Every adviser also runs secure video appointments — same licence, same service, from your kitchen table.
Request a virtual appointment“My husband passed in March. The money landed in eleven days and nobody made me repeat the story twice. That is the whole review.”
Helena M.
Term policy holder · Sacramento, CA
“I'm freelance, so my income is a rollercoaster. Universal life let me drop the premium to almost nothing for two slow quarters and keep the cover on.”
Owen T.
Universal policy holder · Denver, CO
“Our adviser told us we were already covered through my work and only needed a top-up. She talked us out of the bigger policy. We stayed anyway.”
Camille R.
Whole life policy holder · Boston, MA
Three questions and you'll have a firm starting price on screen. No medical exam for most healthy applicants, no pushy follow-up, and you can walk away at any point without paying a cent.
Quotes are free, unfiltered and carry no obligation to buy.
Work cover is a good start, but it usually ends the day the job does, and the payout is often one or two years of salary. A personal policy travels with you, doesn't care who signs your payslip, and lets you choose the amount your family actually needs. Many people use work cover as a base and add personal cover on top.
For many healthy applicants under 50 and most cover amounts up to around $1 million, we can underwrite on answers alone — no needles, no clinic visit. Larger amounts or certain health histories will need a paramedical appointment, which we book and pay for.
On term cover, there's a 31-day grace period before anything lapses. On whole and universal policies, the accumulated cash value can often carry the premium for a while — and universal policies include skip-a-payment options for exactly this. Call your adviser before you miss a second payment; there is almost always a softer landing.
Yes, as often as you like — as long as you haven't made the designation irrevocable. Changes are free on every policy we arrange, take effect the moment we file them, and we'll send you a confirmation copy for your records.
Our average across the last twelve months is 4.2 days from a complete claim to funds released, and 98% of claims are approved first time. A named beneficiary receives the money directly, outside of probate, so it isn't held up by the estate. Your adviser handles the paperwork with your family personally.
No. Your details are shared with the underwriting carrier on the policy you apply for and nobody else — no lead brokers, no marketing lists. We're licensed in 48 states and bound by NAIC model privacy rules.
