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Final expense is a smaller whole-life policy made to cover end-of-life costs — funeral and burial expenses, medical bills, and any remaining debts — so your family isn’t left paying them. Coverage amounts are modest, premiums stay affordable, and qualifying is simple, often with no medical exam.

Term life covers you for a set period — commonly 10, 20, or 30 years — and pays your family a benefit if you pass away during that time. It’s usually the most affordable way to get substantial coverage, which makes it a strong fit for protecting income, a mortgage, or your children’s growing-up years.

Whole life is permanent coverage that lasts your entire life as long as premiums are paid. The premium never changes, and the policy steadily builds cash value you can borrow against. It costs more than term, but it never expires and gives your family lifelong certainty.

Universal life is permanent coverage built around flexibility — within set limits, you can adjust your premium payments and death benefit as your life changes. It also builds cash value that grows from interest credited to the policy, pairing lifelong protection with room to adapt.