Life insurance for the people who count on you
Term, whole life, final expense, and no-exam options from an independent agent who works for you. Free quotes in 38 states.
Four ways to protect your family
Term life
Coverage for a set number of years, usually the years your family depends on your income. It is the most affordable way to get a large amount of protection, and the policy most working families should price first.
Whole life
Permanent coverage that never expires and builds cash value over time. It costs more than term, but it can anchor a longer-term plan for final expenses, legacy, or business needs.
Final expense
Smaller whole life policies designed to cover funeral costs and last bills so your family is not handed both grief and a balance due. Simplified approval, often with no medical exam.
No-exam options
Some policies are approved from a short health questionnaire instead of a medical exam. Whether you qualify, and how quickly, depends on your health answers.
Life insurance, answered plainly
How much life insurance do I actually need?
A common starting point is 10 to 12 times your annual income, adjusted for your mortgage, debts, and how many years your family would need support. Arin runs the numbers with you rather than selling you a round number.
Term or whole life: which is right for me?
If your main goal is protecting your family during your working years, term usually wins on value. If you want lifelong coverage or a savings component, whole life may fit. Both are priced so you can see the real cost difference side by side.
Do I need a medical exam to get covered?
Not always. Some policies are approved from a health questionnaire instead of a medical exam, and whether you qualify depends on your answers. Exam-based policies can cost less if you are healthy, so it is worth comparing both.
Does using an agent cost more?
No. A life insurance policy costs the same whether you buy it directly or through an agent. The difference is that Arin compares your options with you and helps your beneficiaries when it matters.
Life insurance only gets more expensive with every birthday. Ten minutes today locks in a rate your family will be glad you got.
One call, and you will know what you qualify for
Help costs you nothing. Consent is not a condition of purchase, and your information is never resold.