For clients
Life insurance
Securing your family’s future is the point. Term, whole life and final expense each do a different job, and a Topflight agent helps you match the coverage to your needs and your budget.
The options
Term, whole life and final expense
- ◆Term life covers a set number of years for the lowest premium. Built for income replacement while you are raising a family or paying a mortgage.
- ◆Whole life lasts your lifetime, builds cash value and has a level premium.
- ◆Final expense is a smaller whole life policy designed to cover funeral and end-of-life costs, with simplified underwriting.
- ◆Indexed universal life adds flexible premiums and growth tied to a market index.
How we help
What a Topflight agent does for you
- ◆Works out how much coverage your family actually needs.
- ◆Shops multiple carriers and explains underwriting before you apply.
- ◆Reviews existing policies you already own.
- ◆Costs you nothing. Agents are paid by the insurance carrier.
Talk to a Topflight agent
Free consultation. No pressure. Monday to Friday, 9:00 AM to 5:00 PM EST.
Frequently asked
Questions clients ask
What is the difference between term and whole life?
Term covers a set number of years for a lower premium. Whole life lasts your lifetime, builds cash value and has a level premium.
What is final expense insurance?
A smaller whole life policy designed to cover funeral and end-of-life costs, usually with simplified underwriting.
Does a Topflight agent charge for life insurance help?
No. Consultations are free and the agent is paid by the carrier.
Last reviewed: · Reviewed by Joanna Wyckoff, Founder. Published by the Topflight Data Desk.