Term, whole, final expense — the names sound similar, but they're built for very different situations. Here's the difference.
← Back to HomeBefore we talk about coverage amounts or premiums, it helps to know why you're even considering life insurance. The plan makes a lot more sense once the reason is clear.
Your kids finishing school, no matter what happens to you.
Your spouse being able to keep the house.
Your family not facing funeral costs on top of grief.
The business or debts you'd leave behind, covered.
Enough income that a spouse could stay home and raise the kids, if that's the choice they'd make.
Leaving your kids a legacy, not a burden.
Once you know your why, the right plan is easy to see.
There's a simple way to think about it. It's called the DIME method — four things to add up before you land on a coverage amount.
DIME is a general planning method, not a guarantee or a quote. Your actual coverage needs depend on your personal situation — a Coverage Clarity Review can help you land on your real number.
Lower cost, coverage for a specific period. A common fit while you have a mortgage, young kids, or other expenses tied to a particular stretch of years.
Higher cost, but coverage that never expires as long as premiums are paid — often chosen for lifelong needs like final expenses or leaving a legacy.
This page is the short version. A real conversation is where it actually gets useful — no pressure, just information about what fits your specific situation.
Schedule Your Coverage Clarity Review