Family protection decision guideBefore You Wait
For parents, couples, and individuals who want to understand how much life insurance their family may need before speaking with an agent.
Discover What Your Family Needs. Understand What Waiting Could Cost.
Get clear on your family's protection needs before you decide on a policy.
Continue to secure checkoutWhat you get
One interactive family protection guide, with everything below included:
- Understand your family's financial protection needsAnswer guided questions about income, debt, dependents and existing coverage.
- See an estimated amount of coverage to considerReview a personalized educational estimate based on your answers.
- Spot a potential coverage gapCompare your estimated need with protection you already have.
- Compare protecting your family now with waitingSee two educational scenarios about the risks of delaying coverage.
- Understand what waiting could meanLearn how changes in age, health and your family's responsibilities may affect future options.
- Keep a copy of your resultsDownload your personalized family protection report.
- Know how to get real pricingContact a licensed agent to discuss a personalized quote and options that fit your budget.
Your first 24 hours
This interactive guide is intentionally structured so you can complete your family protection assessment and download a personalized report showing estimated coverage needs, potential protection gaps and the financial risks of waiting within your first 24 hours.
What buyers are saying
Questions you may have
What if I already have coverage through work?
You can include that coverage in your assessment. The guide helps you compare what you have with your estimated needs. Employer-provided coverage may have limits or may not follow you if you leave your job.
How much life insurance do I need?
It depends on your income, debts, dependents, existing coverage and what you want to protect. The guide uses your answers to estimate a coverage need. It is a starting point, not a required purchase amount.
What is the difference between term and whole life insurance?
Term life generally provides coverage for a selected period. Whole life is designed for lifelong coverage when policy requirements are met and generally includes a cash value component. Prices, benefits and suitability depend on the policy.
Educational tool only. This is not an insurance quote, application, offer or guarantee of coverage. Coverage estimates are based on information you provide and are not individualized insurance or financial advice. No monthly insurance premiums are included. Speak with a licensed insurance agent about policy options, eligibility and actual costs. Purchase of this guide does not include an insurance policy or require you to purchase one.