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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/

Questions to ask before you begin a new life chapter

Start your new beginning confidently — and with the help of term life insurance.

Do you have any unpaid debts?

Whether you’re getting married, having a baby, starting a business, or purchasing a home, knowing what you need to pay off (and how long it will take) is crucial for budgeting.

What assets do you have now?

What’s in your savings, investments, and retirement accounts? Do you own a home or business? Spend some time figuring out the assets you do have today — so you know what you need to protect for the future.

What are your career plans?

As your life changes, your career plans and aspirations may too. For example, if you’re starting a family, you and your partner might decide it’s best that one parent stay at home. Or if you’re going back to school, you might decide to work part-time to focus on your degree. Understanding your career plans (and how it might affect your finances) can help you better prepare for a new chapter.

Do you already have a life insurance policy?

Some employers offer life insurance as a benefit, which usually is equal to your annual salary. For some, this might be enough to cover any outstanding expenses, but for others, it may only scratch the surface. Assess the life insurance you already have available to you, so you can get a better idea of what you need in your next chapter.

With a term life policy, you can live in the moment — and protect whatever’s next. So if something unexpected happens, you can rest assured that the life you’re building today can have a long-lasting impact on your loved ones’ tomorrow.

One more question: want to get started? See your free quote for term life insurance 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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