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Free estimate. Zero commitment.

Life insurance is an investment in your family’s future.

But many of us don’t get enough.


Calculate how much life insurance you need here.

$10K

Average cost of funerals1

30%

Percentage of families living in single-income households2

$208,185

Average mortgage balances3

You won’t need the money when you’re gone. But your loved ones will.

Low, flat premiums icon
LOW, FLAT PREMIUMS

that don't change during your initial term.

Additional coverage options icon
ADDITIONAL COVERAGE OPTIONS

you can add on to your employer-provided coverage.

Coverage and term options icon
COVERAGE AND TERM OPTIONS

from $50k to $250k and 10 to 30 years.

Upgrade to permanent life insurance icons
UPGRADE TO PERMANENT LIFE INSURANCE

up to 5 years before your initial policy ends.

Streamlined approval process icon
STREAMLINED APPROVAL PROCESS

with no additional hurdles.

Backed by Protective icon
BACKED BY PROTECTIVE

helping families protect their loved ones for 110+ years.

Customize your term life policy to meet your needs as life unfolds.

WAIVER OF PREMIUM
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WAIVER OF PREMIUM

Premium waivers can be issued from ages 18 to 55 ‐ payable if you’re unable to work for two years following disability, and any occupation insured is reasonably suited for thereafter. Subject to terms and conditions.

ACCIDENTAL DEATH
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ACCIDENTAL DEATH

Add on additional coverage for accidental death. Your maximum is the lesser of the face amount of your base policy and $250,000. Issue ages are from 18 to 60.

CHILDREN'S TERM LIFE INSURANCE
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CHILDREN'S TERM LIFE INSURANCE

Your kids can get coverage too, with policies ranging from $1,000 to $25,000. Base insured issue ages from 18 to 64.

ACCELERATED DEATH BENEFIT
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ACCELERATED DEATH BENEFIT

Included at no extra charge (unless you decline when you apply). Elect up to 85% (97% in FL and NY) of death benefit ($250K maximum) if you have a terminal condition with less than 24 months (12 in FL and NY) to live. Death benefit remaining after benefit payment must be at least 10%.

Provide for their future. At a rate that lets you live your fullest today.

Save up to 31% on coverage vs. the competition.*

  Our Rate Farmers Insurance
Male, 40 years old $22.05* $26.35*
Female, 40 years old $17.64* $23.18*

 

*Savings calculated based on a comparison of like plans from Kasasa powered by Protective(R) and Farmers Insurance in June 2020. Plan prices compared were of a monthly premium based on a $100K simplified-issue term life insurance plan with a 10-year term for a 40-year-old male and female in excellent health as of June 2020.

My employer offers free life insurance. Is that enough?

Use our calculator to determine how much you really need.

L

Including mortgages and debts

I

Multiply annual income by how many years you'd like it replaced

F

Can be upward of $10,000*

E

To keep your kids and family on track

Another good rule of thumb is to purchase a policy valued at ten times your annual salary. Check out this resource to learn more.

*Source: www.parting.com/blog/how-much-does-the-average-funeral-cost/

Everything you need to know about life insurance

Learn the answers to your most common questions here.

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Life insurance is a peace of mind product. It’s meant to replace your income in case the unexpected happens and you are no longer around to support your family or loved ones.

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Life insurance is a legally binding contract between you and the insurance company. You pay a premium in exchange for a death benefit payout. Your payout depends on the kind of life insurance you choose.

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Everyone. If you’re young and single, life insurance can help your loved ones pay off any debts or a mortgage you might have left behind. Or if you’re planning on having a family someday, you can secure a lower rate for a longer term now while you’re young.

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There are two different kinds of life insurance policies you can buy — term life insurance and whole life insurance.


Term policies are more flexible in length and usually low-cost. If something were to happen to you while your policy was active, your death benefit would be paid out to your beneficiaries.


Whole life insurance is lifelong coverage that also has an investment component and higher monthly costs. You can use this money in retirement or pass it on to your dependents.

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A lot of employers offer life insurance for eligible, full-time employees — which is a great option! These benefits are usually equal to your annual salary. For some (like those without any debts or dependents), this might be enough. But for others, like those with a stay-at-home partner, a mortgage loan, a larger amount of debt (student loans, for example), or a large family, an individual life insurance policy might be the better option for you.

With a term life policy, you can make sure your tomorrow is always secure — at a low, low price today. See your free quote below!

We’re proud to collaborate with Protective, a company that has been established for over 110+ years, to provide Life Insurance.

Kasasa and Protective work together to bring you flexible life insurance you can count on when it matters most, with savings that help you live better.


For more than a century, Protective has helped families protect their financial futures through dependable, affordable insurance. Protecting your tomorrow, so you can embrace today. Find true coverage, trusted for generations.

Have more questions?

Check out our FAQs here.

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