As an independent brokerage we work for you, not the insurance companies. We compare top-rated national carriers and design a strategy around your budget, family milestones, and longer-term goals.
Coverage options
1. Term life: protection for a set number of years
Term coverage, often 10, 20, or 30 years, pays the highest death benefit for the lowest premium. It fits:
- Income replacement during the working years.
- Mortgage and debt so a house or a balance is not left behind.
- Education so tuition is still funded.
2. Indexed universal life and other permanent insurance
Permanent coverage lasts for life as long as premiums are paid. Along with the death benefit, the policy has a cash value that grows tax-deferred.
- Market-linked growth with a floor. Indexed universal life can link growth to an index such as the S&P 500 and include a 0% floor, so the cash value is not reduced by a down market year.
- Tax-advantaged access. Cash value can be used through policy loans or withdrawals for retirement income, an emergency, or a business need. Loans and withdrawals reduce the death benefit and may have tax consequences if the policy lapses.
3. Living benefits
Many modern policies include accelerated death benefit riders. You can access part of the death benefit, tax-free, while you are living if you face:
- A terminal illness
- A chronic illness that leaves you unable to perform activities of daily living without help
- A critical illness or injury such as heart attack, stroke, cancer, or severe paralysis, when the rider covers it
Riders vary by carrier. We read the trigger language with you before you buy.
4. Final expense and senior whole life
These whole life policies are built to cover end-of-life costs so the people left behind are not raising money for a funeral. They typically offer a guaranteed coverage amount, a fixed premium, and simplified underwriting for older adults.
Ages 50–80. Christopher’s instant whole life quote — the same one on the current site — is available here. Certain guaranteed-issue policies can be quoted in less than two minutes.
How much coverage do you need?
The useful number is the gap between what you owe and what you have promised: income for the years someone depends on you, the mortgage, other debts, education, and final expenses, minus savings and coverage you already own. Employer group life is rarely the whole answer. We will do that math with you rather than hand you a generic multiple of salary.
Why Benefact
- Market independence. We are not tied to one carrier, so we can shop rates and underwriting rules that fit your health history.
- Plain language. Illustrations, index caps, and riders get translated before you sign.
- A free look at a policy you already have. If performance or the death benefit has drifted from what your family needs, we will say so.
A simple path to coverage
1. The conversation
Goals, budget, who depends on your income, and any coverage you already hold.
2. The comparison
We shop carriers and underwriting niches that fit your health profile.
3. The explanation
You see the premium, the benefit, and the riders in ordinary language.
4. The follow-through
We help with the application and stay available after the policy is in force.
Questions we hear
Isn’t the life insurance at work enough?
Employer group life is a good perk, and it is often only one or two times salary. That may not cover a mortgage or a long stretch of lost income. It also rarely comes with you if you change jobs or start a business. An individual policy stays in force wherever the career goes.
Can I get coverage with a pre-existing condition?
Often, yes. Carriers specialize in different health profiles. Because we are independent, we know which underwriting guides are kinder to a specific condition.
What is the difference between term and whole life?
Term covers you for a set number of years at a lower cost and does not build cash value. Whole life, and universal life, are permanent. Premiums can be guaranteed, and cash value accumulates and can be accessed over time.
How fast is a quote?
For certain guaranteed-issue policies, an accurate quote takes less than two minutes. Fully underwritten policies take longer because a carrier is reviewing health history.
Give your family the security of a plan that is actually in place. The quote is free and there is no obligation.