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Life insurance

Term and whole life coverage

Life insurance replaces your income if you die while people still depend on it.

Term

covers a set number of years for a low premium and pays only if you die during the term — it's the most coverage per dollar, and it's what most families need.

Permanent

policies, including whole life and indexed universal life, cost considerably more but never expire and build cash value you can borrow against.

Indexed universal life ties that cash value to a market index with a floor that protects against losses and a cap that limits gains. It's a legitimate tool for the right situation. It is also frequently sold to people who'd be better served by term insurance and a retirement account — which is exactly why it's worth asking hard questions.

Who needs it

  • Anyone with a partner or children who rely on their income
  • New parents and new homeowners
  • Business owners with a partner or a loan tied to them
  • Anyone whose term policy is close to expiring
  • People who've had a health change and want to lock coverage in

Questions worth asking

  • Why this policy over cheaper term insurance for the same coverage?
  • What does it cost, and what happens if I stop paying in year five?
  • If you're showing me an illustration, what does the guaranteed column say — not the projected one?
  • How much commission does this pay compared to term?

Worth knowing

The mistake people make: buying a policy they can't afford to keep. A permanent policy that lapses in year six is worse than the term policy they could have kept for thirty years. Any good agent will tell you when term is the right answer.

Life specialists in the Village

96 verified agents. You pick one, and only that agent contacts you.

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Where the Village can write Life

51 states covered so far. Pick yours to see who can actually write there.