Protection

Three kinds of life insurance. One honest comparison.

Every life insurance conversation eventually comes down to three product families. They solve different problems at very different prices, and the right answer depends on what job you need done — not on which one sounds most impressive.

Side-by-sideThree product families

Comparison of term, whole life, and indexed universal life insurance
	Term	Whole life	Indexed universal life
Relative cost	Lowest	Highest	In between, flexible
Duration	10–30 years	Lifetime	Lifetime, if funded well
Cash value	None	Guaranteed schedule	Index-linked crediting
Complexity	Low	Moderate	High
Built for	Income replacement during working years	Permanent needs and predictable legacy	Permanent coverage with flexible funding

Term life

The most coverage per dollar, for the years your family depends on your income. Simple, cheap, and usually the right first answer.

Whole life

Permanent coverage with guarantees on all three moving parts: premium, cash value, and death benefit. You pay for that certainty.

Indexed universal life

Permanent coverage with index-linked cash value crediting and flexible premiums. Powerful when structured well — and the most misused product in the industry.

Not sure which one you need?

That’s the normal starting point. The analysis step of our process exists to answer exactly this question — with numbers, not adjectives.

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