Choosing the right life insurance policy can feel overwhelming, especially with so many options available. Three of the most common choices are Indexed Universal Life (IUL), Term Life Insurance, and Whole Life Insurance. Each serves different needs and goals—whether you’re focused on affordability, lifelong protection, or building wealth over time. Let’s break them down.

Stay-at-home parents need life insurance too. Learn why coverage matters and how to calculate the right amount for your family. Many families overlook life insurance for stay-at-home parents because they don’t earn a traditional salary. But their contributions—childcare, household management, transportation—are extremely valuable . If something were to happen, replacing those services would be costly. Why Stay-at-Home Parents Need Life Insurance Childcare Costs:  Full-time c

Compare work life insurance vs individual life insurance. Learn the pros, cons, and costs to choose the best option in 2025. When people think of life insurance, they often start with the policy offered through their employer—called group life insurance . While this is a good benefit, it may not provide enough coverage. To make the right decision, you need to understand the differences between group life insurance  and individual life insurance . What is Group Life Insurance

Millennials (born between 1981 and 1996) are now in their prime working years, building families, buying homes, and planning for the future. Despite this, many still underestimate the importance of life insurance. The good news? Millennials can secure affordable policies  now while enjoying long-term financial peace of mind. Why Millennials Should Consider Life Insurance Affordability:  Premiums are lowest when you’re young and healthy. Student Loan Debt:  Many private loans

Life insurance is often thought of as a safety net only after death. But what if you could use your policy while you’re still alive? That’s exactly what living benefits life insurance  provides. These policies give you access to part of your death benefit if you’re diagnosed with a qualifying illness or condition. What Are Living Benefits? Living benefits are riders  (policy add-ons) that allow you to access your policy’s payout while still alive. They’re designed to help cov

Parenthood is filled with joy—but it also comes with responsibilities. Beyond providing love and guidance, parents must also think about their children’s financial security. Life insurance ensures your kids are protected  even if you’re no longer there to support them. Why Parents Need Life Insurance Income Replacement:  Covers daily living expenses for your children. Education Costs:  Secures funds for future tuition and college. Housing:  Pays off or maintains the family ho

For most families, a mortgage is the largest monthly expense. If a primary earner passes away unexpectedly, the risk of losing the family home becomes very real. Mortgage protection insurance (MPI)  provides peace of mind by ensuring your loved ones can continue living in their home without financial strain. What is Mortgage Protection Insurance? Mortgage protection insurance is a type of life insurance specifically designed to pay off your mortgage if you pass away. Unlike t

Average Term Life Insurance Rates in 2025 The average cost of term life insurance is significantly lower than whole life. For example, a healthy 30-year-old non-smoker pays only $26/month  for a 20-year, $500,000 policy. Average Monthly Premiums: 20-Year Term, $500,000 Coverage Age Female (Non-Smoker) Male (Non-Smoker) Female (Smoker) Male (Smoker) 20 $15 $18 $20 $25 30 $21 $26 $32 $40 40 $33 $42 $52 $65 50 $67 $81 $96 $120 Term life insurance is up to 90% cheaper  than whole