Protect the people who depend on you
Life insurance is a promise that your family will be financially secure no matter what happens. Compare the most popular plan types below, then get an instant quote or book a free consultation with an independent licensed insurance broker.
The most popular life insurance plans, explained
Each serves a different goal. Here's how they compare — in plain English.
Term Life Insurance
Most popular & affordable
Coverage term: 10, 15, 20, or 30 years
Pure protection for a set period. If you pass away during the term, your beneficiaries receive a tax-free death benefit. It's the most cost-effective way to get high coverage — ideal for replacing income while kids are young or a mortgage is outstanding.
Best for
Young families, income replacement, covering debts & mortgages
+Lowest premiums per dollar of coverage
+Simple, predictable coverage
+Convertible to permanent later
+Tax-free payout to beneficiaries
–Expires at end of term
–No cash value buildup
–Renewal premiums rise sharply with age
Whole Life Insurance
Lifetime coverage + cash value
Coverage term: Your entire life
Permanent coverage that never expires, as long as premiums are paid. Builds guaranteed cash value at a fixed rate that you can borrow against. Premiums are level for life — higher than term, but the policy endures.
Best for
Lifelong protection, estate planning, final expenses
+Guaranteed lifetime coverage
+Level premiums that never rise
+Builds tax-advantaged cash value
+Dividends possible (mutual carriers)
–Significantly higher premiums than term
–Less coverage per dollar
–Slower cash-value growth early on
Universal Life Insurance
Flexible permanent coverage
Coverage term: Your entire life
Permanent insurance with flexibility: you can adjust your premium payments and death benefit over time. Cash value grows based on market interest rates (or, in indexed variants, a market index with a floor). Balances lifelong protection with growth potential.
Best for
Flexible long-term planning, wealth transfer, those who want growth + control
+Adjustable premiums & death benefit
+Cash-value growth potential
+Policy loans available
+Can be indexed for market-linked gains
–More complex than term or whole
–Returns not guaranteed (indexed/variable)
–Risk of underfunding if premiums skipped
Compare the plans at a glance
See how term, whole, and universal life stack up — and who each one fits best.
| Feature | Term Life | Whole Life | Universal Life |
|---|---|---|---|
| How long it lasts | 10–30 years | Your whole life | Your whole life |
| Builds cash value | |||
| Premiums | Lowest, level for term | Higher, level for life | Flexible / adjustable |
| Death benefit | Fixed for the term | Guaranteed | Adjustable |
| Cash value growth | None | Guaranteed rate | Market-linked potential |
| Convertibility | Yes, to permanent | N/A | N/A |
Term Life
Good for: Young families, income replacement, covering a mortgage or debts while kids are young. The most coverage per dollar.
Whole Life
Good for: Lifelong protection, estate planning, and final expenses. Guaranteed cash value and premiums that never rise.
Universal Life
Good for: Flexible long-term planning and wealth transfer for those who want growth potential plus the ability to adjust payments.
Customize with riders
Add-on benefits that tailor a policy to your family's exact needs.
Child term rider
Add small coverage for your children.
Spouse rider
Cover your spouse on one policy.
Waiver of premium
Premiums waived if you're disabled.
Accelerated death benefit
Access funds if terminally ill.
Run your life insurance quotes now
Use our secure quoting engine to compare rates from top-rated carriers in minutes. No obligation — just real numbers.
Get life insurance quotesFamilies trust John with their life insurance
Real reviews from clients who secured their family's future.
“Helpful, transparent and informative”
John has always been so quick to respond and help me and my family. He's always so informative and transparent. My MIL recommended him to us and I am so glad she did!
“John is absolutely AMAZING”
John is absolutely AMAZING! He knew exactly what I was looking for and had everything prepared and ready. I highly recommend using this website and having John help you!
Why Life Insurance Matters
A clear, plain-English guide that explains what life insurance really does, who needs it and when, how the popular plan types compare, and the myths that keep families underinsured. Download it free — keep it for yourself or share it with someone you love.
- The 10–12x income rule of thumb
- Term vs. Whole vs. Universal compared
- Common myths that cost families
- Next steps to get covered
Book an appointment
Pick a time that works for you — meet with John Dennis, independent licensed insurance broker.
Loading availability…
Select an available date to see time slots.
Timezone: UTC · Prefer to browse plans first?
Get a quote now →