Coverage Options
Find the coverage that fits your life.
Every family's situation is different. We offer three types of life insurance coverage — each designed for a different set of needs, goals, and budgets.
Term Life Insurance
Affordable protection for the years that matter most.
Term life covers your family for a set period — typically 10, 20, or 30 years. It's the most straightforward and often the most affordable type of life insurance.
Typical coverage: $100,000 – $1,000,000+ — subject to underwriting and state availability.
Whole Life Insurance
Lifelong coverage that builds cash value.
Whole life insurance never expires. It provides a permanent death benefit and accumulates a cash value component over time — making it a tool for both protection and long-term planning.
Typical coverage: $50,000 – $500,000+ — subject to underwriting and state availability.
Final Expense Insurance
Simple coverage for end-of-life costs.
Final expense insurance is designed to cover funeral costs, medical bills, and other end-of-life expenses — with simplified underwriting that makes it accessible to more people.
Typical coverage: $5,000 – $25,000+ — subject to underwriting and state availability.
Not sure which is right for you?
Here's a quick side-by-side to help you understand the key differences.
Feature
Term Life
Whole Life
Final Expense
Coverage period
10–30 years
Lifetime
Lifetime
Typical premium
Generally lowest
Generally highest
Low to moderate
Cash value
None
Yes, builds over time
Generally none
Medical exam
Often required
Often required
Usually not required
Typical coverage
$100K–$1M+
$50K–$500K+
$5K–$25K+
Best for
Income & mortgage protection
Legacy & wealth planning
End-of-life expenses
Not sure where to start?
Answer a few questions and a licensed Afterly agent will follow up with coverage options tailored to your situation — no pressure, no commitment.
Get My OptionsLife insurance products are not available in all states. Product features, coverage amounts, eligibility, and premiums vary by carrier, state, and individual underwriting. This page is for educational purposes only and does not constitute an offer or guarantee of coverage. Afterly Life connects consumers with licensed insurance agents.