Tell us who depends on you and what you want a policy to do. A verified life insurance professional will explain term, whole life and the other options, and what each would mean for your budget.
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They all pay a death benefit to the people you name. What differs is how long they last, what they cost and whether they build value.
Coverage for a set period. Usually the lowest price, and it pays out only if you die during the term.
Coverage for life with fixed premiums, and a cash value that builds over time. Usually costs more than term.
Lifelong coverage with more flexibility over premiums and benefits. There are several variations, so the details matter.
Often offered by an employer. Convenient, but the amount is usually limited and it may not follow you if you leave.
Quicker to arrange because they skip the medical exam. They often cost more or offer lower limits.
There's no single number that suits everyone. These are the questions that get you to yours.
A partner, children or other family who would struggle without it.
A mortgage, car loan or other debts you wouldn't want to leave behind.
Things like education for children or care for a family member.
Savings, investments and existing policies, including coverage through work.
Funeral and other costs that arrive straight away.
Until the mortgage is paid, the children are independent, or for life.
Generally, the younger you are when you start, the lower the price.
Medical history and current health are weighed by the insurer.
Smokers and tobacco users typically pay more.
A larger benefit or a longer term costs more.
Permanent policies cost more than term for the same benefit.
Optional extras, such as access to part of the benefit if you become seriously ill, are priced separately.
Someone now relies on your income or shares your debts.
A growing family usually means a bigger need for protection.
A mortgage is often the debt people most want covered.
There's no employer plan, and others may depend on the business.
If you change jobs, group coverage may not continue.
When a policy runs out, it's worth checking what you need next.
We'd rather connect you with the right provider once than flood your inbox with a dozen you'll never call back.
Your income, debts and the people who rely on you decide the amount, not a generic number.
Term, whole and universal life do different jobs. We help you pick the one that fits what you need it for.
Price, length of coverage, medical questions and flexibility explained side by side, so you can decide with confidence.
It depends on who relies on your income, your debts, what you already have in savings or other coverage, and what you want the policy to achieve. Describe your situation and a professional can walk through the factors with you.
Term covers you for a set period, usually at a lower price. Whole life lasts for life and builds cash value, usually at a higher price. The right choice depends on what you need the policy to do.
Some policies do, while others use a health questionnaire or no medical questions at all. Simpler underwriting often means a higher price or lower limits, and a professional can explain the trade-offs.
Your age, whether you use tobacco, a general picture of your health, the coverage you have in mind, who you'd name as beneficiary, and any policies you already hold. If you don't have everything, send the request anyway.
No. A verified professional contacts you, not a list of agents.
No. Namoye is free for you, and you're never obliged to buy.
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