Site loading image
A happy couple and their daughter

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.

A happy couple and their daughter

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.

  • A dad holding his baby

    Term Life Insurance

    Term Life Insurance

  • Two parents and their two kids making breakfast

    Permanent Life Insurance

    Permanent Life Insurance

  • An elderly couple looking at laptop

    Final Expense Insurance

    Final Expense Insurance

Compare Term and Permanent LifeInsurance

Term LifePermanent Life
Length of CoverageChoose the term that works for you (10, 15, 20, 30 years)Lasts your lifetime—as long as you continue your payments
PremiumTypically, the most affordable life insuranceMore expensive than term for same coverage amount
Medical ExamOptions to waive examTypically required
Cash ValueNonePolicy 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


  • 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


  • 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' diverseneeds.

Each company meets our high standards for financial strength, high-quality products, and exceptional customer support.

Partners Carousel

You’ve Got Questions. We’ve Got Answers.

Get your quote online, or talk to one of our agents at 866-388-3996800-957-9525.