Coverage guides
Understanding the differences between policy types helps you choose coverage that actually fits your family's needs. Coverage, availability, and pricing vary by provider and plan.
Child life insurance provides a death benefit in the event of a child's death, but is also used as a long-term financial planning tool for coverage a child can carry into adulthood.
Final expense insurance, sometimes called burial insurance, is a type of whole life insurance with a smaller death benefit designed to cover end-of-life costs.
Mortgage protection insurance is a type of life insurance specifically designed to pay off or continue payments on a mortgage if the policyholder passes away.
No medical exam life insurance allows applicants to obtain coverage without a traditional medical examination, using alternative methods to assess risk.
Term life insurance provides a death benefit for a fixed period — typically 10, 20, or 30 years. It's the most straightforward type of life insurance and tends to offer the most coverage per dollar.
Universal life insurance is a type of permanent life insurance that offers flexible premiums and a cash value component tied to current interest rates.
Whole life insurance provides permanent coverage for the insured's entire lifetime and includes a cash value component that grows over time.
Next step
Start with the Family Protection Check. It takes about 2 minutes and helps you think through how much coverage your household may need.
Life insurance coverage, availability, and pricing vary by provider, plan, age, health, location, and policy terms. Best Life Insurance Near Me may receive compensation when users request quotes or connect with licensed insurance professionals through partner links.