Protect your family today. Life insurance is the promise that your family keeps their home, their standard of living, and their plans if you're no longer here — explained clearly, with no pressure and no fine print games.
Every family needs something different. These are the options we help you compare, with clear numbers and straight answers.
Coverage for 10 or 20 years with level premiums, or protection to age 80. Ideal for the mortgage years, the years your kids depend on you, or a business loan. Many term policies can convert to permanent coverage without a new medical exam.
Coverage for your entire life, premiums that never increase, and cash value that grows on a guaranteed basis year after year. The classic foundation for leaving an inheritance, covering final expenses, and building an asset you can use while you're alive.
Permanent, but adjustable: you can modify premiums and the death benefit as your life changes. For those who want lifetime coverage with more control over payments.
One policy covering two people that pays when both have passed. Widely used for estate planning and protecting family wealth.
A practical rule of thumb: 10 to 15 times your annual income. Enter your income to see your range — in your free quote we calculate your exact number based on your mortgage, debts, and family.
With life insurance, the company matters as much as the policy: you're trusting it with a 20, 30, or 50-year promise. That's why we represent one of the strongest life insurers in the United States — a mutual company, owned by its own policyholders, protecting families since 1857.
No Wall Street shareholders: decisions are made for the people who hold policies, not for a stock price.
The largest expected dividend payout in the industry and in the company's history — close to $7.9 billion of it goes to whole life policyowners. An unbroken tradition since 1872.
The highest ratings awarded to any U.S. life insurer by all four major agencies (A++ from A.M. Best, AAA from Fitch, Aa1 from Moody's, AA+ from S&P) — for 35 consecutive years. Proven ability to pay claims today and decades from now.
Its general account investment portfolio exceeds $335 billion, backing more than $2.5 trillion of life coverage in force — the cushion that guarantees claims get paid.
Claims paid through wars, financial crises, and pandemics. Millions of families across the country trust this company with their protection.
NextGuard walks you through every step: the quote, the application, and your annual policy review. No call centers, no surprises.
Income, family, debts, and budget. No obligation.
The right policy type and amount for your case, with clear numbers.
We tell you upfront what evaluation to expect based on the policy type and amount.
Your family is protected, and we review your coverage with you every year.
In many cases, yes. Permanent residents and many visa holders qualify. We review it with you based on your situation.
It depends on the policy type and amount. We tell you upfront what evaluation to expect in your case.
Term policies end when the term ends. Permanent policies build cash value, which can give you options before coverage is lost.
Usually not: it's typically 1 to 2 times your salary and ends when you change jobs. An individual policy is yours and stays with you.
Yes — and insuring both of you often costs less than families expect.
Talk to an agent, with no obligation. Your family can't wait for "someday."
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