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Coverage options
Coverage for Every Stage of Life.
Grouped by what you want to protect. Each option has its own plain-language guide.
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Life Insurance
Protection for the people who depend on you, for a set number of years or for your whole life.
Term Life
Coverage for a set period, often chosen for the years when a family depends most on an income.
May suit: Families who want coverage through their working and child-raising years.
Learn More → Life InsuranceWhole Life
Permanent coverage designed to last a lifetime, with premiums and features defined by the policy.
May suit: People who want lifelong coverage and a benefit to pass on.
Learn More → Life InsuranceIndexed Universal Life
Permanent coverage with a cash-value component linked to a market index, subject to caps, fees and policy terms.
May suit: People who want permanent coverage with flexible premiums.
Learn More → Life InsuranceFinal Expense
Smaller permanent policies intended to help loved ones with funeral and end-of-life costs.
May suit: People who want to spare loved ones end-of-life costs.
Learn More →Life insurance types at a glance
| Term Life | Whole Life | Indexed Universal Life | Final Expense | |
|---|---|---|---|---|
| How long it lasts | A set term | Designed for life | Designed for life, if adequately funded | Designed for life |
| Cash value | Typically none | Yes, per policy terms | Yes, linked to an index within policy limits | Typically modest |
| Premiums | Generally lower for the same benefit | Generally higher, usually level | Flexible within policy rules | Smaller benefit, smaller premium |
| Often considered for | The years a family relies on an income | Lifelong coverage and a benefit to pass on | Permanent coverage with flexibility | Funeral and end-of-life costs |
A general comparison only. Actual features depend on the carrier and the specific policy.
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Home, Health & Care Protection
Coverage built around specific worries: keeping the home, coping with a serious illness, and paying for care.
Mortgage Protection
Life insurance arranged around your mortgage, intended to help your family stay in the home.
May suit: Homeowners whose family relies on their income to keep the home.
Learn More → Home, Health & Care ProtectionLiving Benefits
Policy features that may allow early access to part of the benefit after a qualifying serious illness.
May suit: People who want help to be available during a serious illness.
Learn More → Home, Health & Care ProtectionLong-Term Care Planning
Insurance-based ways to prepare for the cost of extended care later in life.
May suit: People planning ahead for the cost of extended care.
Learn More →03 / 03
Retirement & Legacy
Options for the years ahead, and for what you hope to pass on to the next generation.
Retirement Income
Insurance-based options, such as annuities, that some people consider when planning retirement income.
May suit: People nearing retirement who want to understand income options.
Learn More → Retirement & LegacyLegacy Planning
Using life insurance as one tool to pass something meaningful on to the people and causes you care about.
May suit: People thinking about what they will leave to the next generation.
Learn More →Product availability varies by state and carrier. All coverage is subject to carrier underwriting and approval; features, premiums, exclusions and riders depend on the specific policy. Descriptions are general education, not a recommendation for your situation. [Product list pending confirmation of the products DNA is authorized to offer in each state]
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