Policy Comparison Tool
Quickly compare coverage, benefits, and cost across our top policy types.
How It Works
Select the policies you’re interested in, then review the table below. Click “Get My Free Quote” when ready.
Compare:
| Feature | Term Life | Whole Life | Disability | Debt Free Life | Living Benefits | Accidental |
|---|---|---|---|---|---|---|
| Coverage Duration | 10–30 years | Lifetime | While disabled | Lifetime | Lifetime | Up to age 75 |
| Premiums | Low, level for term | Higher, fixed forever | Based on income | Higher, fixed w/ accelerated value | Rider cost on base policy | Low, risk-based |
| Cash Value | None | Yes (grows over time) | N/A | Yes (fast buildup) | N/A | None |
| Living Benefits | Rider available | Yes – access & accelerate | Yes – income while disabled | Yes – use cash value to eliminate debt | Yes – core benefit | Yes – accidental injury payout |
| Benefit Payout | Death benefit | Death benefit + cash value | Monthly income | Death benefit + cash for debt payoff | Lump sum upon diagnosis | Lump sum on accident |
| Ideal For | Temporary needs | Permanent coverage & savings | Income protection | Eliminating debt & building wealth | Cover major illness costs | High-risk occupations |