Guides
Everything we know, written down.
Long-form breakdowns of the policies people actually ask about, and plain talk about when a product is not worth buying.
Burial and final expense
How much does burial insurance cost?
Rate ranges by age and gender, the five things that set your premium, and the mistake that costs people most.
Burial insurance rates by age and coverage
Full rate tables for $5,000 to $25,000 of cover, ages 45 to 85, plus how state and tobacco use change the number.
How much will it cost me, specifically?
A three-step way to estimate your own premium in about a minute, without giving anyone your phone number first.
Final expense insurance in Kentucky
Kentucky funeral costs, state rules that affect your policy, and what cover actually runs in Louisville and Lexington.
Final expense insurance in Indiana
Indiana funeral costs, the free-look period, and how much cover makes sense in Indianapolis and Fort Wayne.
Age 50 and over
Life insurance quotes over 50
What term and whole life really cost in your fifties, which type fits, and why waiting a year is the expensive choice.
Life insurance for a 50 year old woman
Women pay less at every age. Real rates, how much cover you need, and the caregiving gap most calculators ignore.
Life insurance for seniors over 70
What is still available after 70, real rates to age 85, and when the honest answer is not to buy.
Permanent cover and specialist cases
Whole life vs term life
The real price gap at every age, when permanent cover is genuinely right, and the free rider almost nobody asks for.
IUL vs whole life
Guarantees versus upside, the premium trap, and which one suits which person.
Mortgage protection insurance
Cover sized to your loan, and the payout detail most buyers get wrong before they sign.
Life insurance for truck drivers
Why carriers rate drivers differently, what sleep apnoea really does to your rate, and sizing cover as an owner-operator.
Health and underwriting
No medical exam life insurance
The three types, what each really costs, and the mistake that makes people overpay by triple.
Life insurance for diabetics
Diabetes is not a decline. How A1c maps to your rate, and the right order to apply.
Guaranteed issue life insurance
Nobody can decline you - but the two year wait and the price mean most people should try simplified issue first.
Life insurance with high blood pressure
Why your tablets help rather than hurt, which readings reach which rate class, and how to fix a bad exam result.
Life insurance with sleep apnea
Treated apnea often gets standard rates. Why your CPAP compliance report is the most valuable document you own.
Life insurance with COPD
A harder condition, honestly handled. What is available at each severity, and what oxygen changes.
Life insurance with heart disease
Stents, bypass and heart attacks priced honestly - plus why atrial fibrillation is far milder than people fear.
Life insurance after cancer
Waiting periods by type and stage, what a flat extra is, and why your rate keeps improving after you buy.