Learn
Guides from licensed agents.
Plain-English answers on cost, coverage, carriers and health conditions. Every guide is reviewed by a licensed agent before it is published.
All guides (53)
Life StagesLife Insurance to Protect a Spouse's Retirement: The Math
Life insurance to protect a spouse's retirement: size a 10- or 15-year term to the lost Social Security check and the mortgage. About $78 a month at 55.
UnderwritingLife Insurance for Dangerous Jobs: How Underwriting Works
Life insurance for dangerous jobs: most roofers, loggers, pilots and officers are issued with no occupational rating; a few jobs carry a flat extra.
BasicsFinal Expense Insurance vs Term Life: Which Should You Buy?
Final expense insurance vs term life: if you are 60 or under and qualify, $100,000 of 10-year term costs about $36 a month at 55, far less per dollar.
BusinessBuy-Sell Agreement Life Insurance: Structure, Size and Cost
Buy-sell agreement life insurance funds the buyout of a deceased owner's share. Size it to each owner's stake; $1,000,000 at 40 is from about $63 a month.
BusinessKey Person Life Insurance: How It Works and What It Costs
Key person life insurance pays a business if an owner or key employee dies. Size it at 5 to 10 times salary; $1,000,000 at 40 is from about $63 a month.
Life StagesLife Insurance for Student Loans With a Cosigner: What to Buy
Life insurance for student loans with a cosigner: a 10-year term for the private balance, cosigner as beneficiary. $100,000 at 25 is about $5 a month.
Life StagesLife Insurance for Single Parents: How Much and What It Costs
Life insurance for single parents should replace your income until the youngest is independent. $500,000 of 20-year term is about $30 a month at 30.
CoverageHow Much Life Insurance Do I Need? Use the DIME Method
How much life insurance do I need? Add debts, 10 years of income, mortgage and college, minus what you have. For a family of four, about $1.2 million.
Nectar TermHow Does Nectar Term Work? From Price to Payout
How does Nectar Term work? Price and approval odds in two minutes, health questions online, no exam for most, and level term from an A-rated insurer.
HomeownersHow Much Life Insurance Do I Need to Cover My Mortgage?
To cover your mortgage you need the balance plus the income your household would lose, as level term. $300,000 of 30-year term is about $30 a month at 35.
Life StagesLife Insurance for New Parents: How Much and What It Costs
Life insurance for new parents: a 20- or 25-year term sized to replace income until the kids are grown, from about $30 a month at 30. Here is the math.
Life StagesLife Insurance Required by Divorce Decree: What to Buy
Life insurance required by a divorce decree should cover the support you still owe. A $250,000, 10-year term policy is about $19 a month at 40.
BusinessLife Insurance for an SBA Loan: What Lenders Require
Life insurance for an SBA loan is usually required when the loan is not fully secured by collateral. $500,000 of 10-year term is about $34 a month at 40.
BasicsLife Insurance Contestability Period: The Two-Year Rule
Life insurance contestability period: typically two years, when the insurer can check your application before paying. After it, claims are generally paid.
BasicsLife Insurance Grace Period and Lapse: Missed Payment Rules
Life insurance grace period and lapse: most policies give 31 days to pay while coverage continues; after that it lapses but can usually be reinstated.
Life StagesTerm Life Insurance Over 50: How Much and What It Costs
Term life insurance over 50 is sized to the debts and years that remain, usually a 10- or 15-year term, from about $104 a month for $500,000 at 50.
Health ConditionsLife Insurance for Former Smokers: When Tobacco Rates End
Life insurance for former smokers reaches non-tobacco rates 12 months after the last nicotine use, and preferred after 2 to 3 years. See prices by stage.
Life StagesLife Insurance Over 60: Your Options and What They Cost
Life insurance over 60: Nectar Term still issues level term at 60 (about $128 a month for $250,000 over 10 years). Past 60, small no-exam policies remain.
Health ConditionsLife Insurance With Sleep Apnea: CPAP, Ratings and Cost
Yes, you can get life insurance with sleep apnea. Treated apnea with documented CPAP use typically earns standard or better. See classes and prices.
Health ConditionsLife Insurance With Prediabetes: Can You Get Preferred?
Life insurance with prediabetes often still gets preferred or standard plus rates when weight and blood pressure are normal. See prices by A1C.
BasicsTerm Life Insurance Riders Explained: Which Are Worth It?
Term life insurance riders explained: the terminal illness benefit is worth having and is included free on Nectar Term; return of premium rarely pays off.
BasicsConvert Term Life Insurance to Permanent: How It Works
Convert term life insurance to permanent: swap it for a permanent policy from the same insurer, no new health questions, before your policy's deadline.
BasicsLife Insurance Beneficiary Rules: Who Gets Paid, and How
Life insurance beneficiary rules: primary and contingent, naming a spouse, kids, a trust or your estate, minors, per stirpes, and how a claim is paid.
Life StagesLife Insurance for Newlyweds: How Much and What It Costs
Life insurance for newlyweds: each spouse gets a 20- or 30-year term sized to shared debts plus a few years of income, from about $14 a month at 25.
Health ConditionsLife Insurance With a High BMI: Build Charts and Prices
You can get life insurance with a high BMI. Build charts set the class: preferred to the high 20s, standard into the mid 30s, table ratings above that.
BasicsWhat Happens When Term Life Insurance Expires? Your Options
What happens when term life insurance expires: coverage ends. You can let it end, renew yearly at much higher prices, or convert before the deadline.
Health ConditionsLife Insurance With Anxiety and Depression: What to Expect
Yes, you can get life insurance with anxiety and depression. Mild, stable, treated conditions typically earn standard or better. See classes and prices.
UnderwritingLife Insurance With a DUI: Ratings, Waiting Periods and Cost
Yes, you can get life insurance with a DUI. One DUI more than five years ago is commonly standard or better; a recent one is usually rated or postponed.
Health ConditionsLife Insurance With High Cholesterol: What to Expect
Yes, you can get life insurance with high cholesterol. Controlled numbers on a statin typically still reach preferred. See reading ranges and prices.
Health ConditionsLife Insurance With Hypothyroidism and Thyroid Disease
Yes, you can get life insurance with hypothyroidism. Treated with levothyroxine and stable lab results, it is typically priced as if it were not there.
Health ConditionsLife Insurance With Asthma: Inhalers, Ratings and Cost
Yes, you can get life insurance with asthma. Well-controlled asthma typically earns preferred or standard plus. See how severity sets your class and cost.
Health ConditionsLife Insurance With High Blood Pressure: What to Expect
You can get life insurance with high blood pressure. Controlled readings on medication typically earn standard or better. See reading ranges and prices.
Health ConditionsCan You Get Life Insurance After a Heart Attack?
Yes, most people can get life insurance after a heart attack, usually six to twelve months after the event. See what underwriters check and what it costs.
Health ConditionsTerm Life Insurance With Type 2 Diabetes: What It Costs
Yes, you can get term life insurance with type 2 diabetes. An A1C under 7 typically reaches standard or better. See prices by A1C and what to bring.
Cost & PricingHow Much Does Term Life Insurance Cost in 2026?
Term life costs about $25 to $35 a month for a healthy 30-year-old with $500,000 of coverage. See rates by age, what moves the price, and how to pay less.
ComparisonsNectar vs Haven Life Insurance Now That Haven Has Closed
Nectar vs Haven Life insurance: Haven Life closed to applications in January 2024; MassMutual services its policies. How Nectar Term compares.
ComparisonsNectar vs Ethos: Which Term Life Insurance Fits You?
Nectar vs Ethos: both sell no-exam term life insurance online. Ethos offers 40-year terms; Nectar shows price, approval odds and decision time first.
ComparisonsNectar vs Bestow Life Insurance: What Changed in 2024
Nectar vs Bestow life insurance: Bestow no longer sells term life to consumers. How Nectar Term compares, what policyholders should do, where to apply now.
ComparisonsNectar vs Ladder: Which Term Life Insurance Is Right for You?
Both sell no-exam term life online. Ladder lets you lower coverage from its app; Nectar shows your approval odds and decision time before you apply.
BasicsTerm vs Whole Life Insurance: Which Is Better for You?
Term vs whole life insurance: which is better? Term for almost everyone protecting an income or mortgage for a set time; whole life for permanent needs.
Life StagesLife Insurance for Stay-at-Home Moms: How Much Do You Need?
Yes, a stay-at-home mom needs life insurance: usually $250,000 to $500,000 of term to replace childcare and household work, from about $24 a month at 30.
Cost & PricingTerm Life Insurance Rates at 55: What You Will Pay
At 55, $500,000 of 20-year term life costs about $198 a month for a man and $162 for a woman (preferred class). Estimates for $250,000 to $1 million.
Cost & PricingTerm Life Insurance Rates at 60: What You Will Pay
At 60, $500,000 of 20-year term life costs about $324 a month for a man and $266 for a woman (preferred class). Estimates for $250,000 to $1 million.
Cost & PricingTerm Life Insurance Rates at 25: What You Will Pay
At 25, $500,000 of 20-year term life costs about $25 a month for a man and $21 for a woman (preferred class). Estimates for $250,000 to $1 million.
Cost & PricingTerm Life Insurance Rates at 45: What You Will Pay
At 45, $500,000 of 20-year term life costs about $70 a month for a man and $58 for a woman (preferred class). Estimates for $250,000 to $1 million.
Cost & PricingTerm Life Insurance Rates at 50: What You Will Pay
At 50, $500,000 of 20-year term life costs about $122 a month for a man and $100 for a woman (preferred class). Estimates for $250,000 to $1 million.
Cost & PricingTerm Life Insurance Rates at 40: What You Will Pay
At 40, $500,000 of 20-year term life costs about $47 a month for a man and $38 for a woman (preferred class). Estimates for $250,000 to $1 million.
Cost & Pricing$500,000 Term Life Insurance Cost by Age (2026)
A $500,000, 20-year term life policy costs about $30 a month at 30 and $47 at 40 for a healthy man, as an estimate. Full table by age and term, men and women.
Cost & PricingTerm Life Insurance Rates at 30: What You Will Pay
At 30, $500,000 of 20-year term life costs about $30 a month for a man and $24 for a woman (preferred class). Estimates for $250,000 to $1 million.
Cost & Pricing$1 Million Term Life Insurance Cost by Age (2026)
A $1 million, 20-year term life policy costs about $56 a month at 30 and $87 at 40 for a healthy man, as an estimate. Full table by age and term, men and women.
Cost & Pricing$250,000 Term Life Insurance Cost by Age (2026)
A $250,000, 20-year term life policy costs about $17 a month at 30 and $26 at 40 for a healthy man, as an estimate. Full table by age and term.
Cost & PricingTerm Life Insurance Rates at 35: What You Will Pay
At 35, $500,000 of 20-year term life costs about $34 a month for a man and $28 for a woman (preferred class). Estimates for $250,000 to $1 million.
UnderwritingDo You Need a Medical Exam for Term Life Insurance?
Most applicants no longer need an exam. Here is who qualifies for no-exam coverage up to $2 million, who still gets one, and whether it costs more.
No guides in this category yet.