Library · Everything, free
Resources: every guide in one place
Plain-English explainers, honest comparisons, underwriting by health condition, our carrier picks, audience guides, downloadable PDFs, and Michigan local pages — all free, all written to inform rather than sell.
Start here
Learn how it works
- Why life insurance? The honest case, myths included
- How life insurance works The 8-step plain-English guide
- Underwriting, explained What carriers check, rate classes, timelines
- How IUL actually works Caps, floors, costs — the honest deep dive
- The IUL library Retirement, professions, wealth stages, design — honestly
- Free guides (PDF) Final Expense Planning Guide + Buyer’s Checklist
Head to head
Compare the options
- Term vs. whole life insurance Term vs. Whole life — which job is yours?
- IUL vs. term life insurance IUL vs. Term — which job is yours?
- IUL vs. whole life insurance IUL vs. Whole life — which job is yours?
- Final expense vs. term life insurance Final expense vs. Term — which job is yours?
- Final expense vs. whole life insurance Final expense vs. Traditional whole life — which job is yours?
Health & coverage
Underwriting by condition
- All health conditions The hub — every condition, grouped
- Life insurance with type 2 diabetes Honest paths, real application questions, carrier niches
- Life insurance with copd Honest paths, real application questions, carrier niches
- Life insurance with heart attack history Honest paths, real application questions, carrier niches
- Life insurance with congestive heart failure Honest paths, real application questions, carrier niches
- Life insurance with cancer history Honest paths, real application questions, carrier niches
- Life insurance with tobacco use Honest paths, real application questions, carrier niches
- Life insurance with quitting smoking Honest paths, real application questions, carrier niches
- Life insurance with non-smoker status Honest paths, real application questions, carrier niches
- Life insurance with stroke or tia Honest paths, real application questions, carrier niches
- Life insurance with afib, pacemakers & defibrillators Honest paths, real application questions, carrier niches
- Life insurance with high blood pressure or cholesterol Honest paths, real application questions, carrier niches
- Life insurance with dementia or alzheimer’s Honest paths, real application questions, carrier niches
- Life insurance with parkinson’s disease Honest paths, real application questions, carrier niches
- Life insurance with hiv or aids Honest paths, real application questions, carrier niches
- Life insurance with organ transplant Honest paths, real application questions, carrier niches
- Life insurance with kidney disease Honest paths, real application questions, carrier niches
- Life insurance with type 1 or insulin-dependent diabetes Honest paths, real application questions, carrier niches
Our honest picks
Recommendations from our panel
Life stages
Coverage for where you are
Who we serve
Guides by audience
- Veterans Veterans
- Military families Military
- Teachers Educators
- Nurses Healthcare
- Parents Parents
- Children Children
- Business owners Business owners
- Business partners Partners
- Couples Couples
- Asset protection Legacy
- Foreign nationals Visa holders
- Green-card holders Permanent residents
- Non-resident foreign nationals Non-residents
- H-1B visa holders H-1B
- Dads Dads
- Moms Moms
- Grandparents Grandparents
Coverage types
Products, explained
- Term life Rent maximum protection for the exposed years
- Whole life Own lifelong coverage with a locked premium
- Indexed universal life Flexible permanent coverage, honestly framed
- Final expense & burial The funeral, handled
- Cremation insurance Sized for cremation costs
- Mortgage protection Keep the family home
- Affordable life insurance The honest way to pay less
Carriers
Independent carrier reviews
- All carriers we place The panel, with ratings
- Mutual of Omaha review A+ (Superior) · sourced and date-stamped
- Aetna review A (Excellent) · sourced and date-stamped
- American Amicable review A (Excellent) · sourced and date-stamped
- Royal Neighbors of America review A (Excellent) · sourced and date-stamped
- AIG review A (Excellent) · sourced and date-stamped
- Transamerica review A (Excellent) · sourced and date-stamped
- Foresters Financial review A (Excellent) · sourced and date-stamped
- Americo review A (Excellent) · sourced and date-stamped
- Banner Life review A (Excellent) · sourced and date-stamped
Michigan
Local guidance
- Life insurance in Michigan Statewide, from our Troy headquarters
- Troy, MI — our office Visit or call
- Detroit, MI Wayne County · Metro Detroit
- Grand Rapids, MI Kent County · West Michigan
- Warren, MI Macomb County · Metro Detroit
- Sterling Heights, MI Macomb County · Metro Detroit
- Ann Arbor, MI Washtenaw County · Southeast Michigan
- Lansing, MI Ingham County · Mid-Michigan
- Flint, MI Genesee County · Mid-Michigan
- Dearborn, MI Wayne County · Metro Detroit
- Livonia, MI Wayne County · Metro Detroit
- Rochester Hills, MI Oakland County · Metro Detroit
- Southfield, MI Oakland County · Metro Detroit
- Novi, MI Oakland County · Metro Detroit
Careers
Join the team
More
Articles & special topics
Skip the reading
Just want your options?
A few basic questions get you accurate options across dozens of A-rated carriers in about 60 seconds. No exam to look, no spam, no pressure.