Find the Right Life Insurance for Your Needs
Every family is unique, and so is their perfect protection plan. Explore the different types of life insurance below to understand your options and make a confident choice—with zero pressure.
The Two Main Paths to Protection
Term Insurance
Ideal For
- Parents of young children
- Homeowners with mortgages
- Anyone with temporary debt
Key Benefits
- Lower Initial Premiums
- Convertible to permanent
- Includes Living Benefits
Permanent Insurance
Ideal For
- Seniors planning final expenses
- High-net-worth individuals
- Business owners
Key Benefits
- Guaranteed Death Benefit
- Tax-Deferred Cash Value
- Access Funds via Policy Loans
Term Life Insurance: Flexible Protection for Every Need
Choose the right term structure for your family’s goals.
Example: 20-Year Level Term Policy
Both your premium and death benefit stay level.
Level Term: The Smart Choice for NC Budget-Conscious Families
Level Term Life Insurance provides fixed premiums and a stable death benefit for a set period (10-30 years). It’s the most affordable and straightforward term option, ideal for those needing predictable coverage during peak financial responsibilities (e.g., raising kids, paying a mortgage).
Decreasing Term: Smart Protection for Large Debts
This policy is specifically designed to cover a loan that gets smaller over time, like a mortgage. The death benefit decreases as your loan balance does, making it a highly affordable way to ensure your largest debt is always protected.
Decreasing Term Insurance Example
The death benefit declines over time, often matching a large debt like a mortgage.
Increasing Term Example
Both the death benefit and premium increase over time.
Increasing Term: Coverage That Expands With Your Needs
This policy is designed to help your coverage keep pace with inflation and your growing family’s needs. The death benefit increases by a set percentage each year, ensuring your protection maintains its value over time.
Flexible Term Options for Every Stage of Life
Beyond level term, specialized options match your goals—from growing coverage to money-back guarantees—all at affordable rates.
Return of Premium Term
A unique policy that refunds 100% of premiums paid if you outlive the term.
Convertible Term
Gives you the option to convert your term policy to permanent coverage later, with no new medical exam.
Annual Renewable Term
Provides coverage one year at a time. Ideal for very specific, short-term protection needs.
Term with Living Benefits
Allows you to access a portion of your death benefit while living if diagnosed with a qualifying illness
Permanent Life: Your Foundation for Lifelong Protection
Discover policies that provide guaranteed lifelong coverage, build a tax-deferred asset, and ensure your legacy is protected for generations.
What's Your Primary Goal?
Match your main objective to the right type of permanent policy.
- Best For: Lifetime coverage seekers, cash value builders
- Key Advantage: Fixed premiums + dividend potential
- Stat :A sample policy could build over $125,000 in cash value after 20 years.
- Best For: Flexible budget planning, estate strategies
- Key Advantage :Adjust premiums/death benefit as needs change
- Stat: A key tool for tax-efficient legacy and estate planning.
- Best For: Market-linked growth with protection
- Key Advantage: Earn index gains (S&P 500) with 0% floor
- Stat: Cash value growth is linked to a market index, often with a 0% floor to protect against losses.
Solutions for Every Age & Health Profile
Later-Life Protection Without the Hassle: Burial Expense, Guaranteed Acceptance & Simplified Plans
Final Expense Insurance
An affordable permanent policy designed to cover specific end-of-life costs like funerals and final medical bills. This ensures your family has time to grieve, not worry about finances.
- $9,384 avg. funeral cost in NC
Guaranteed Issue Life
For NC residents aged 50-85. This policy asks no health questions, guaranteeing 100% approval for those who may have been declined elsewhere.
Life Insurance Over 50
It's never too late to secure protection. We specialize in finding the most affordable and valuable options for healthy individuals over 50.
Your Life Insurance Questions, Answered
The simplest way to think about it is like renting vs. owning a home. **Term Life** is like renting protection—you get affordable coverage for a specific period (e.g., 10-30 years). **Permanent Life** is like owning your protection—it lasts your entire life and builds cash value as a financial asset. You can explore the specific types in our Term Solutions sections above.
While many experts suggest a general rule of thumb of 10-15 times your annual income, the true answer depends on your specific situation. You need to account for your mortgage, debts, future income needs for your family, and legacy goals. The most accurate way to find your number is to use our free, anonymous Human Life Value Calculator
Not necessarily. The industry has changed significantly. According to the Life Insurance Marketing and Research Association (LIMRA), accelerated underwriting is now common. Many healthy applicants, especially those under 50, can get significant coverage without a medical exam, often with approval in just a few days. You can explore our No-Exam options here
No, you don’t. Our Quote & Apply Tool is designed for you to compare real-time rates from top carriers completely on your own, at your own pace. We are only here to help if and when you need us.
Yes. This is one of our specialties. We have extensive experience helping North Carolina residents with various health conditions find excellent coverage. The best first step is to use our secure contact form to briefly describe your situation, and we will provide confidential guidance on your best options.
Absolutely. This is a cornerstone of our promise to you. Unlike many online sites, we do not sell your data to third-party call centers. Your information is only used to generate the quotes you request from our A-rated carrier partners. We are committed to a zero-pressure experience, which you can read more about on our About Us page.
Ready to Find Your Personalized Rate?
| Policy Type | Icon | Key Benefit | Best For |
|---|---|---|---|
Whole Life | Guaranteed cash value + fixed premiums |
| |
Universal Life (UL) | Flexible premiums/death benefit |
| |
Indexed Universal Life (IUL) | Market-linked growth (0% floor) |
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