Who We Serve
Life Insurance for Dads
For most fathers this is a straightforward problem with a cheap solution that gets put off for years. A 20 or 30 year term policy bought in your thirties costs less per month than most streaming subscriptions and covers exactly the window where your family is most exposed.
Not sure which fits?
Answer a few questions and we'll point you to the right coverage.
What should you consider when working out the number?
The most common method is DIME: Debt, Income, Mortgage, Education. Add your non-mortgage debt, the income your family would need replaced for a set number of years, your remaining mortgage balance, and expected education costs. Subtract existing savings and coverage. The result is a real target rather than a guess.
Debt — credit cards, car loans, personal loans, final expenses
Income — annual income multiplied by the years your family would need it
Mortgage — the remaining balance on your home
Education — expected costs for each child
Why work coverage is not the plan?
Group life through an employer is typically one or two times salary — often far short of the DIME number — and it ends when the job does. Your own policy is portable, and the rate is locked at the age and health you bought it at.
Does buying younger lock in a level premium?
Term premiums are set by your age and health when the policy is issued and never change for the level term period. A 30-year-old who buys a 30-year term is paying 30-year-old rates until they are 60. Waiting five years costs money permanently.
Why work with an independent agent?
A captive agent usually represents one company. Our network includes 20+ top-rated carriers, with available options depending on your state and profile. We help compare quotes for coverage and underwriting fit at no cost for comparison, without guaranteeing approval or the lowest price. Policy premiums apply.
Licensed Agent vs. captive agent — the full breakdownFrequently asked questions
Other people we help
Insuring your parents
By family role
Moms
By family role
Grandparents
By family role
New parents
By family role
Children
By family role
Couples
By family role
This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions, rate classes, and product availability are determined by each insurance carrier and vary by state, age, and health history. Carrier guidelines change without notice.