Life Insurance FAQ
Straight answers to the questions families ask most about life insurance — no jargon, no pressure.
Multiply your annual gross income by 10 to 12. Earn $80,000? That's $800,000 to $960,000 in coverage as a baseline. Most insurers and planne
This is the single biggest difference. Based on 2026 market estimates for a $500,000 policy for a healthy 35-year-old non-smoker:
Before anything else, it's worth knowing about instant issue — the quickest way to get covered. Qualifying applicants get an underwriting de
MPI is a life insurance policy tied to your home loan. Three things define it:
A mortgage is secured by the property itself. When the homeowner dies, the loan doesn't vanish, and it doesn't automatically become someone
Instant issue products are the fastest way to get covered. Instead of waiting days or weeks for an underwriter's review, the carrier runs it
Judge a term policy on four things:
Sites like Policygenius (founded in 2014) are online insurance marketplaces — they don't underwrite policies themselves, but connect you wit