Life insurance that protects what matters most.
Protect the income, obligations and plans your family relies on. Compare life insurance quotes online, or get help from a licensed SSGI advisor.
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200+ life insurance options from 20+ carriers.
Explore our Quote & Apply life catalog. Available products and quotes depend on your state, age, carrier and underwriting; not every option is available to every applicant.
A financial safety net for the people you love
At its core, life insurance is a contract: you pay premiums, and the policy pays a death benefit to your beneficiaries if you pass away while covered. It transfers financial risk away from the people who rely on you, so an unexpected loss doesn't become a financial one too.
- Replace income your household depends on
- Settle a mortgage, loans, or other debts
- Fund education or long-term goals
- Support a business through a transition
- Leave a legacy for family or causes you care about
Protection built around your life
Life insurance is most useful when it's tied to a real need. These five outcomes cover the most common reasons families and business owners carry coverage.
Keep your family financially secure when you're gone
A death benefit gives your family a financial foundation when you're no longer there to provide, helping them stay on track through a difficult time.
Replace the income your family relies on each month
If your earnings are what your household counts on, coverage can replace that income for a set number of years and help loved ones maintain their standard of living.
Keep mortgages and debts from becoming a burden
Coverage can help loved ones manage a mortgage, shared loans, and other financial obligations after a loss. Debts are generally handled by the estate; survivors' responsibility depends on the debt and applicable law.
Protect your business through a smooth transition
For business owners, life insurance can fund a buy-sell agreement or help a company keep operating and supporting employees through an owner's passing.
Leave a lasting legacy for the people you love
Permanent coverage can build cash value over time and pass a death benefit to heirs, supporting education, charitable giving, or a lasting family legacy.
Term or permanent: which fits your needs
Most life insurance falls into two broad categories. Each balances cost, duration, and cash value differently — and the right choice depends on the outcome you're protecting.
Term life insurance
Coverage for a set period — typically 10, 20, or 30 years. Often the most affordable way to protect income replacement and family protection during key years, such as while raising children or paying a mortgage.
Permanent life insurance
Whole and universal life policies are designed for long-term coverage and may build cash value. Coverage depends on keeping the policy in force, including required payments. They're often considered for legacy, business continuity, and lifelong obligations — usually at a higher cost.
Questions that shape the right fit
There's no one-size-fits-all answer. These questions are a useful starting point for a conversation with an advisor.
- How many years of income would your family need if your earnings were no longer there?
- What debts or obligations would you want settled?
- Do you have business or legacy goals that coverage could support?
- What fits comfortably in your budget now and over time?
What you should know
- The page covers term and permanent life insurance options.
- SSGI advisors help individuals and families compare protection choices.
Frequently asked questions
Your next step with SSGI
Ready to explore life coverage?
Compare available life insurance quotes online, with licensed SSGI help when you need it. Availability and approval depend on your state, carrier and underwriting.
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