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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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Medicare

Medicare can be complicated. Explore our guides to basic coverage, supplement plans, Medicare Advantage, and more.

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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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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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Pet Insurance

Pet Insurance can be complicated. Explore our guides to basic coverage, end-of-life plans, chronic health conditions, and more.

Extra Premium (or Flat Extra)

Back to Life Insurance Glossary Terms

An extra premium charge that is applied to a life insurance policy in the event of adverse risk factors. There are two types of Flat Extra premiums: Temporary Flat Extra and Permanent Flat Extra. The Temporary Flat Extra is applied when there is a risk factor such as a cancer diagnosis and the amount is charged for a specified number of years and then removed. A Permanent Flat Extra is applied when there is an occupational or avocational risk.