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Independent reviews of term, whole, and universal life policies — plus the calculators and worksheets you need to pick the right amount of coverage.
Side-by-side view of the most common coverage choices in this category.
| Feature | Term Cheapest | Whole | Universal |
|---|---|---|---|
| Coverage length | 10–30 yrs | Lifetime | Lifetime |
| Cash value | |||
| Monthly cost (35yo, $500k) | $25 | $450 | $280 |
| Premiums fixed? | |||
| Best for | Income replacement | Estate planning | Flexible needs |
Actual monthly premiums for 20-year term policies at ages 25, 35, 45 and 55 — plus the five factors that move your rate most and how to pay less for the same coverage.
A step-by-step way to size your death benefit using the DIME method — debts, income replacement, mortgage, and education — with worked examples for three household types.
A clear, numbers-first comparison of term and whole life — when each makes sense, what they really cost over 30 years, and how to avoid the most expensive mistakes.
Move past 'ten times your salary' rules of thumb with a needs-based calculation that accounts for debts, dependents, and existing assets.