Life insurance quotes tailored for you

A contract between you and an insurer that pays a tax-free benefit to your beneficiaries if you pass away. It’s designed to replace income, cover debts or leave a financial legacy.

Permanent life insurance provides coverage for the policyholder’s entire life, as long as premiums are paid.

Term life insurance is a type of life insurance that provides coverage for a specific period of time (the "term") typically 10, 20, or 30 years. You pay regular premiums (monthly or annually), and if you pass away during the term, your beneficiaries receive a tax-free lump sum payment called a death benefit. If you outlive the term, the coverage simply ends with no payout.

If you have dependents, debts or financial obligations that your family depends on your income for, life insurance can provide security for your loved ones. It’s especially important for families, homeowners with a mortgage or anyone wanting to leave an inheritance.

Premiums depend on your age, health, lifestyle, coverage amount and type of policy. Term life is usually the most affordable; permanent policies cost more but offer added benefits.

At your annual review with your advisor, or major life milestones such as marriage, a new home, children or career changes are the perfect time to check that your policy still protects what matters most.