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Term life gives you the most coverage for the lowest cost. A healthy 35-year-old can get $500,000 in coverage for around $25/month. It covers you during your family's most financially vulnerable years — while kids are young, while the mortgage is outstanding, while you're still building wealth.
The most common formula: 10–12 times your annual income. If you earn $60,000/year, a $600,000–$720,000 policy keeps your family financially stable.
Whole life is 5–15x more expensive and includes a cash-value component. For most people, term life is the better choice — buy term, invest the difference.
"I was shocked how easy it was. I got $500,000 in coverage during my lunch break. No doctor visit, no paperwork. Approved the same day."
"I kept putting it off for years. The online process took about 8 minutes and I was covered the same day. My wife is so relieved."
"I thought I wouldn't qualify because of a minor health issue. The system found a policy that worked perfectly for me. Highly recommend."
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