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
that don't change during your initial term.
you can add on to your employer-provided coverage.
from $50k to $250k and 10 to 30 years.
up to 5 years before your initial policy ends.
with no additional hurdles.
helping families protect their loved ones for 110+ years.
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.
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.
Your kids can get coverage too, with policies ranging from $1,000 to $25,000. Base insured issue ages from 18 to 64.
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%.
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.
Life insurance isn’t one-size-fits-all. There are a number of things to consider before deciding on a plan — read about a few here.
The type of policy you choose largely depends on your age and life stage. For example: if you are under 40, have a young child, or are the primary breadwinner in your household, a term life policy might be for you.
If you are young, just starting out in your career, and in good health, a term life policy during these years could save you money in the long run. (And won’t stop you from living your best life today.)
If you only think you’d need life insurance during a certain period of time (such as while you’re paying off your mortgage), take a look at term life plans. This can help ensure your loved ones are able to continue living in your home if the unexpected happens.
For those that are officially retired but still have children at home, a non-working spouse, or a mortgage, a term life policy can bring peace of mind while you still have those responsibilities.
Finding the right life insurance takes time. Learn more about your options here, and when you’re ready, click below for a free quote.
Life can be unexpected. Understand your options.
"Term life insurance covers you for a certain period of time (usually between 10 and 30 years), while whole life insurance policies are good for the entirety of your life."
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"It’s not the most exciting conversation to have, but it will be one of the most important ones."
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"If you are a homeowner, make sure the policy you choose will help those you leave behind to afford your home — and all the other related expenses that come with it."
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"Your employer-provided life insurance may seem like the easy slam dunk choice, but it’s important to also think about a few other factors."
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