Health Insurance
How do I sign up for insurance? Am I eligible for subsidies? Get answers to these questions and more with our Health guides.
How It Works
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Medicare
Medicare can be complicated. Explore our guides to basic coverage, supplement plans, Medicare Advantage, and more.
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Life Insurance
We break down barriers to understanding life and final expense policies. View guides or read reviews of popular plans.
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Auto Insurance
We've done the work to learn what goes into auto insurance. View guides to getting the best rates or browse provider reviews.
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Home Insurance
Homeowners insurance doesn't work like you might think - we've done our homework to understand the policy options and benefits out there. Start by scouting your options, or viewing our reviews.
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Pet Insurance
Pet Insurance can be complicated. Explore our guides to basic coverage, end-of-life plans, chronic health conditions, and more.
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Find the Life Insurance Plan that's right for you
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September 2020 Top Rated Life Providers
Knowing which Medicare supplemental (Medigap) insurance you need gets very confusing, quickly.We’ve reviewed and ranked the top providers to help you sort through the noise.
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Life Insurance 101
Whole Life Insurance
Whole life insurance allows you to have permanent life insurance protection throughout your life. Term life insurance, on the other hand, is limited to a certain number of years. One of the major benefits of whole life insurance is that you can get coverage while you are younger and lock in lower rates not available to you as you age
Term Life Insurance
Term life insurance is perhaps the easiest form of life insurance to both get and understand. It offers a benefit payout to your loved ones if you pass away within the term period.
How to Buy Life Insurance
There are three basic methods of buying life insurance. These include purchasing directly from an insurance company, using a local insurance agent, or through an online brokerage (like us!). For most people, having an advocate on your side rather than buying direct means getting a policy that fits you best.
Want to Surrender a Life Insurance Policy? Here's What Happens
1.
How much life insurance do I need?
The amount of life insurance you need can vary based on a number of factors. Generally speaking, to find the amount of life insurance you might need by calculating your long-term financial needs and obligations and then subtract your assets. The remaining amount is how much your life insurance policy would need to cover.
2.
What types of policies are there?
There are different types of life insurance policies - the main ones include term life insurance, whole life insurance, and universal life insurance.
3.
What is a life insurance premium?
A life insurance premium is the recurring payments you make in order to maintain your insurance policy. Your premium is set by your insurance company, is based on a number of factors and can be paid for in monthly, semi-annual or annual payments. You make these payments for the duration of the policy as set by your insurance company.
4.
Is a health exam required in order to get life insurance?
Yes, a health exam is required in order for the insurance company to determine if you are insurable and helps to determine the policy premium.
5.
Who can be a life insurance beneficiary?
A life insurance beneficiary can be a family member, friend, business partner, charitable organization or a legal entity such as an estate or trust.
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