Whether you are starting a family, running a business, approaching retirement, or planning your legacy — we design coverage around your life, not the other way around.
Click any card to see coverage recommendations tailored to your situation.
Coverage recommendations vary by life stage and financial situation.
| Persona | Recommended Coverage | Best Product Types | Key Riders | Avg Monthly Cost |
|---|---|---|---|---|
| Families & Parents | 10–12x income ($500K–$1.5M) | Term Life, Supplemental | Child rider, waiver of premium, accelerated death benefit | $25–$75 |
| Seniors & Retirees | $10K–$50K Final expense focused | Final Expense, Whole Life | Guaranteed issue, accidental death | $30–$150 |
| Business Owners | Varies by structure ($500K–$5M+) | Term, Whole, Group, IUL | Key person, buy-sell, AD&D | $50–$500+ |
| Young Adults | 5–10x income ($250K–$500K) | Term Life, No-Exam | Conversion option, return of premium | $15–$35 |
| Veterans & Military | SGLI gap fill ($250K–$1M) | Term, Supplemental, No-Exam | Deployment waiver, disability rider | $20–$60 |
| High Net Worth | Estate tax coverage ($1M–$10M+) | Whole Life, IUL, Variable | ILIT structuring, premium financing | $200–$2,000+ |
* Cost ranges are illustrative based on typical profiles. Your rate depends on age, health, coverage amount, and product type.
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