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Carefully selected products from top companies.
From finding the right policy to the right company, we’re here to help you with buying life insurance that meets your family’s needs.
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You've Got Options.
Life may change, but the need to protect your family doesn't. Explore term, permanent, and final expense plans to find the best type of life insurance policy for your family, now and in the future.
Term Life Insurance
Term Life Insurance
Permanent Life Insurance
Permanent Life Insurance
Final Expense Insurance
Final Expense Insurance
Compare Term and Permanent Life
InsuranceTerm Life | Permanent Life | |
---|---|---|
Length of Coverage | Choose the term that works for you (10, 15, 20, 30 years) | Lasts your lifetime—as long as you continue your payments |
Premium | Typically, the most affordable life insurance | More expensive than term for same coverage amount |
Medical Exam | Options to waive exam | Typically required |
Cash Value | None | Policy may build cash value on a tax-deferred basis |
Length of Coverage
Term Life
Choose the term that works for you (10, 15, 20, 30 years)
Permanent Life
Lasts your lifetime—as long as you continue your payments
Premium
Term Life
Typically, the most affordable life insurance
Permanent Life
More expensive than term for same coverage amount
Medical Exam
Term Life
Options to waive exam
Permanent Life
Typically required
Cash Value
Term Life
None
Permanent Life
Policy may build cash value on a tax-deferred basis
Life Insurance Riders
Your life insurance needs are as individual as you are. That’s why we work with providers to give you the options you need to customize your plan. Life insurance riders are optional features that you can add on to your policy. Riders allow you to adapt your coverage to fit your needs, whether you need extra support for a chronic illness or want to add insurance for a minor. Once you’ve bought a rider, it will remain active for as long as your policy does.
Accidental Death Benefit
An accidental death benefit offers your family a payout if you die in an accident, such as a car crash or workplace incident. They can use the payment as extra income for everyday expenses, end-of-life costs, debt, or anything else they need. Some insurance types also cover non-fatal, severe injuries like limb loss, paralysis, or comas.
Buying Life Insurance with eFinancial
We’re committed to helping individuals, couples, and families like you find the best life insurance to meet your needs. We want to support you from application to approval and beyond, so you can get covered as quickly as possible, no matter the life insurance type. With eFinancial, you’ll get:
- Convenient shopping: Shop and compare life insurance quotes online in less than a minute, or give one of our agents a call to help get you started.
- Expert support: Our team is ready to provide personalized guidance and walk you through your policy options and features.
- Top-rated products: With affordable life insurance policies from more than 20 top providers, it’s easy to find the one that works for you and your family.
We work with top companies to provide products that help meet our customers' diverse
needs.Each company meets our high standards for financial strength, high-quality products, and exceptional customer support.