Tell us what you want to protect. We'll connect you with a licensed agent to walk through real options — free, with no obligation.
Pick the path closest to yours. You'll only be asked what matters for it, and a licensed agent compares the options with you. There's never an obligation to buy.
The main kinds of coverage, what each one does, and who it tends to fit.
Best forFamilies with young kids or a mortgage.
It covers you for a set number of years, like 10, 20 or 30. If you die during that time, your family gets paid. If you outlive it, the coverage ends. It's usually the cheapest way to get a lot of coverage.
Term vs. whole life, comparedBest forCoverage you want to last your whole life.
It never runs out as long as you keep paying, and the payment usually stays the same. Part of what you pay builds up a savings value you can borrow against. It costs more than term for the same amount of coverage.
Every policy type, side by sideBest forOlder adults who want their funeral and last bills paid.
A small whole life policy, often $2,000 to $50,000, meant to pay for a funeral and final bills. Most ask a few health questions instead of a medical exam. Plans with no health questions usually pay the full amount only after the first two years, except for accidents.
Final expense guidesBest forHomeowners who want the family to keep the house.
Life insurance sized to what you still owe on your home. If you die, the money usually goes to your family, not the bank, so they can pay off the house or keep making payments. It's not the same as PMI, which only protects the lender.
Mortgage protection guidesBest forPeople who want lifelong coverage plus savings that can grow.
Lifelong coverage with a savings part that earns more when a stock market index like the S&P 500 goes up, but only up to a set limit. When the market drops, your savings don't lose money from the market, though fees still come out. The growth isn't guaranteed.
IUL guides, pros and consNot sure which one fits?
That's what the agent is for. Pick the situation closest to yours and they'll compare the options with you.
Plain-English guides on how coverage works, what it costs, and what to ask — read at your own pace.
How Your Insurance Consultants works, and how it's paid for — before you share a single detail.
Your Insurance Consultants is a free matching service. We don't issue policies or set prices — insurance companies do.
You're connected with a licensed insurance agent who can explain and quote the plans available to you.
We may be paid by the agents and agencies we work with. That never changes the price of a policy.
Yes. There is no charge to use this site or to talk with an agent. You only pay premiums if you decide to buy a policy.
No. Your Insurance Consultants is a matching service that connects you with a licensed insurance agent. The agent can show you plans from the insurance companies they are appointed with; the insurer issues the policy.
A licensed insurance agent will reach out by phone, text, or email using the details you provide, to review your answers and go over options. There is no obligation to buy.
Not always. Many final expense, mortgage protection, and simplified-issue policies use a short health questionnaire and database checks instead of an exam. Larger coverage amounts can require one.
Often, yes. Simplified-issue plans accept many common conditions, and guaranteed-issue plans ask no health questions at all — though they cost more and usually limit the payout for non-accidental death in the first two years.
The national median cost of a funeral with viewing and burial was $8,300 in 2023, and $6,280 for a funeral with viewing and cremation, according to the National Funeral Directors Association. Cemetery costs such as a plot and headstone are extra.
Source: NFDA General Price List Study
