{"id":4268,"date":"2026-02-25T15:20:10","date_gmt":"2026-02-25T15:20:10","guid":{"rendered":"https:\/\/ozzoinsurance.com\/blog\/?p=4268"},"modified":"2026-03-26T23:48:15","modified_gmt":"2026-03-26T23:48:15","slug":"when-is-term-life-insurance-actually-affordable","status":"publish","type":"post","link":"https:\/\/ozzoinsurance.com\/blog\/when-is-term-life-insurance-actually-affordable\/","title":{"rendered":"When Is Term Life Insurance Actually Affordable?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4268\" class=\"elementor elementor-4268\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-943a5ac e-flex e-con-boxed e-con e-parent\" data-id=\"943a5ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-48f077e e-con-full e-flex e-con e-child\" data-id=\"48f077e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb96480 elementor-widget elementor-widget-text-editor\" data-id=\"cb96480\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"card-ozzo\">\n<p class=\"drop-cap-text\">Everyone talks about &#8220;cheap&#8221; life insurance. Here&#8217;s how to tell if a rate is good, if the coverage is right, and when a low price might cost your family more than it saves.<\/p>\n\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d041a4a e-con-full e-flex e-con e-child\" data-id=\"d041a4a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2dc4ae3 elementor-widget elementor-widget-image\" data-id=\"2dc4ae3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"615\" src=\"https:\/\/ozzoinsurance.com\/blog\/wp-content\/uploads\/2026\/02\/parents-little-daughters-with-documents-1024x615.jpg\" class=\"attachment-large size-large wp-image-4271\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1324c55 elementor-widget elementor-widget-text-editor\" data-id=\"1324c55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You&#8217;ve probably seen the ads. &#8220;Term life insurance for just $20 a month.&#8221; Or the headlines promising &#8220;affordable coverage for your family.&#8221;<\/p><p>Those numbers aren&#8217;t made up. Term life insurance is, in fact, one of the most cost effective financial products you can buy. But &#8220;affordable&#8221; means different things depending on your age, your health, how much coverage you need, and which carrier you&#8217;re comparing.<\/p><p>So instead of chasing the lowest number, it helps to understand what makes a rate good, what makes a policy worth buying, and how to tell the difference between a smart deal and a risky shortcut.<\/p><p>That&#8217;s what this guide is for.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5fed1ff e-flex e-con-boxed e-con e-parent\" data-id=\"5fed1ff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-201b7a2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"201b7a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53e744d e-con-full e-flex e-con e-child\" data-id=\"53e744d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-838d759 e-con-full e-flex e-con e-child\" data-id=\"838d759\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ed8ca27 e-con-full e-flex e-con e-child\" data-id=\"ed8ca27\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc19f13 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"cc19f13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dollar-sign\" viewBox=\"0 0 288 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M209.2 233.4l-108-31.6C88.7 198.2 80 186.5 80 173.5c0-16.3 13.2-29.5 29.5-29.5h66.3c12.2 0 24.2 3.7 34.2 10.5 6.1 4.1 14.3 3.1 19.5-2l34.8-34c7.1-6.9 6.1-18.4-1.8-24.5C238 74.8 207.4 64.1 176 64V16c0-8.8-7.2-16-16-16h-32c-8.8 0-16 7.2-16 16v48h-2.5C45.8 64-5.4 118.7.5 183.6c4.2 46.1 39.4 83.6 83.8 96.6l102.5 30c12.5 3.7 21.2 15.3 21.2 28.3 0 16.3-13.2 29.5-29.5 29.5h-66.3C100 368 88 364.3 78 357.5c-6.1-4.1-14.3-3.1-19.5 2l-34.8 34c-7.1 6.9-6.1 18.4 1.8 24.5 24.5 19.2 55.1 29.9 86.5 30v48c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16v-48.2c46.6-.9 90.3-28.6 105.7-72.7 21.5-61.6-14.6-124.8-72.5-141.7z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fffb57 e-con-full e-flex e-con e-child\" data-id=\"1fffb57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a58d2f elementor-widget elementor-widget-heading\" data-id=\"9a58d2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why Term Life Insurance Costs Less<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dffc3cc e-con-full e-flex e-con e-child\" data-id=\"dffc3cc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6e4623 elementor-widget elementor-widget-text-editor\" data-id=\"e6e4623\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Term life insurance is simpler than whole life or universal life. It covers you for a set period, usually 10, 20, or 30 years. If something happens to you during that term, your beneficiaries receive the payout. When the term ends, the policy expires.<\/p><p>There&#8217;s no investment component. No cash value building up inside the policy. That&#8217;s not a drawback. It&#8217;s the reason term insurance is so much more affordable. You&#8217;re paying for protection, not for a savings account bundled into an insurance product.<\/p><p>For most families, term insurance covers the years that matter most: while the kids are growing up, while the mortgage is still owed, while your income is the thing holding the household together. It&#8217;s designed to match a specific window of financial responsibility.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db5d9fe e-con-full e-flex e-con e-child\" data-id=\"db5d9fe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8659b12 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8659b12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Good to Know<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-362d72f elementor-widget elementor-widget-text-editor\" data-id=\"362d72f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A healthy 30 year old can often get $500,000 in term coverage for less than the cost of a streaming subscription. The rates are that accessible for people who are young and in good health.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b5d8750 e-flex e-con-boxed e-con e-parent\" data-id=\"b5d8750\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18f251a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"18f251a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2085a7a e-con-full e-flex e-con e-child\" data-id=\"2085a7a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ce3f018 e-con-full e-flex e-con e-child\" data-id=\"ce3f018\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-807f189 e-con-full e-flex e-con e-child\" data-id=\"807f189\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-430998d elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"430998d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dollar-sign\" viewBox=\"0 0 288 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M209.2 233.4l-108-31.6C88.7 198.2 80 186.5 80 173.5c0-16.3 13.2-29.5 29.5-29.5h66.3c12.2 0 24.2 3.7 34.2 10.5 6.1 4.1 14.3 3.1 19.5-2l34.8-34c7.1-6.9 6.1-18.4-1.8-24.5C238 74.8 207.4 64.1 176 64V16c0-8.8-7.2-16-16-16h-32c-8.8 0-16 7.2-16 16v48h-2.5C45.8 64-5.4 118.7.5 183.6c4.2 46.1 39.4 83.6 83.8 96.6l102.5 30c12.5 3.7 21.2 15.3 21.2 28.3 0 16.3-13.2 29.5-29.5 29.5h-66.3C100 368 88 364.3 78 357.5c-6.1-4.1-14.3-3.1-19.5 2l-34.8 34c-7.1 6.9-6.1 18.4 1.8 24.5 24.5 19.2 55.1 29.9 86.5 30v48c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16v-48.2c46.6-.9 90.3-28.6 105.7-72.7 21.5-61.6-14.6-124.8-72.5-141.7z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7ef93b7 e-con-full e-flex e-con e-child\" data-id=\"7ef93b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3306fc0 elementor-widget elementor-widget-heading\" data-id=\"3306fc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What \"Affordable\" Actually Looks Like<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cce3b6f e-con-full e-flex e-con e-child\" data-id=\"cce3b6f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c280f6 elementor-widget elementor-widget-text-editor\" data-id=\"4c280f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Here&#8217;s where it helps to see real numbers. Term life insurance rates depend on a few key factors: your age, health, gender, whether you use tobacco, and how much coverage you want. Below is a general picture of what healthy, nonsmoking applicants typically see.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-620d100 e-con-full e-flex e-con e-child\" data-id=\"620d100\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-acfaa75 elementor-widget elementor-widget-heading\" data-id=\"acfaa75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Sample Monthly Rates for $500,000 Coverage<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04194ce elementor-widget elementor-widget-text-editor\" data-id=\"04194ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>20 year term, healthy nonsmoker, Preferred rate class. Rates are estimates and vary by carrier.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0891dfa e-con-full e-flex e-con e-child\" data-id=\"0891dfa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-fbe808b e-con-full e-flex e-con e-child\" data-id=\"fbe808b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e36f18f elementor-widget elementor-widget-text-editor\" data-id=\"e36f18f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Woman, age 25<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6b08a6 e-con-full e-flex e-con e-child\" data-id=\"c6b08a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d2f175 elementor-widget elementor-widget-text-editor\" data-id=\"2d2f175\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"price-row-value\">~$18\/mo<\/span><span class=\"price-row-note\">\u2248 coffee budget<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1830450 e-con-full e-flex e-con e-child\" data-id=\"1830450\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-65f4ef4 e-con-full e-flex e-con e-child\" data-id=\"65f4ef4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-158b769 elementor-widget elementor-widget-text-editor\" data-id=\"158b769\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Man, age 25<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8a66b3b e-con-full e-flex e-con e-child\" data-id=\"8a66b3b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18ae8ed elementor-widget elementor-widget-text-editor\" data-id=\"18ae8ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"price-row-value\">~$22\/mo<\/span><span class=\"price-row-note\">\u2248 coffee budget<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-016cc91 e-con-full e-flex e-con e-child\" data-id=\"016cc91\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-49323e9 e-con-full e-flex e-con e-child\" data-id=\"49323e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e1b986 elementor-widget elementor-widget-text-editor\" data-id=\"7e1b986\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Woman, age 35<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-079b0c6 e-con-full e-flex e-con e-child\" data-id=\"079b0c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-961e4fe elementor-widget elementor-widget-text-editor\" data-id=\"961e4fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"price-row-value\">~$24\/mo<\/span><span class=\"price-row-note\">\u2248 streaming services<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9d950c2 e-con-full e-flex e-con e-child\" data-id=\"9d950c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-55ccfde e-con-full e-flex e-con e-child\" data-id=\"55ccfde\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13cd80a elementor-widget elementor-widget-text-editor\" data-id=\"13cd80a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Man, age 35<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4812b31 e-con-full e-flex e-con e-child\" data-id=\"4812b31\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-887c049 elementor-widget elementor-widget-text-editor\" data-id=\"887c049\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"price-row-value\">~$28\/mo<\/span><span class=\"price-row-note\">\u2248 streaming services<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3840023 e-con-full e-flex e-con e-child\" data-id=\"3840023\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d778127 e-con-full e-flex e-con e-child\" data-id=\"d778127\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba651a2 elementor-widget elementor-widget-text-editor\" data-id=\"ba651a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Woman, age 45<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c3ab99c e-con-full e-flex e-con e-child\" data-id=\"c3ab99c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b633c2a elementor-widget elementor-widget-text-editor\" data-id=\"b633c2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"price-row-value\">~$48\/mo<\/span><span class=\"price-row-note\">\u2248 gym membership<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ca409d e-con-full e-flex e-con e-child\" data-id=\"3ca409d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-dabb478 e-con-full e-flex e-con e-child\" data-id=\"dabb478\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89bfee2 elementor-widget elementor-widget-text-editor\" data-id=\"89bfee2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Man, age 45<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b5ba9c e-con-full e-flex e-con e-child\" data-id=\"8b5ba9c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af472d7 elementor-widget elementor-widget-text-editor\" data-id=\"af472d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"price-row-value\">~$68\/mo<\/span><span class=\"price-row-note\">\u2248 phone bill<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86ddb43 elementor-widget elementor-widget-text-editor\" data-id=\"86ddb43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>These numbers are general estimates. Your actual rate could be lower or higher depending on the carrier and your specific health profile. But they show the range. For most people under 45 in good health, half a million dollars of coverage costs less than a typical monthly subscription.<\/p><p>That&#8217;s what affordable looks like in practice. Not a vague promise, but a real number you can compare against your monthly budget.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-898f19c e-con-full e-flex e-con e-child\" data-id=\"898f19c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98ed633 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"98ed633\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Worth Knowing<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6a7353 elementor-widget elementor-widget-text-editor\" data-id=\"a6a7353\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your rate locks in when you buy the policy. A 20 year term policy purchased at age 30 stays at the same monthly rate for the full 20 years. It doesn&#8217;t go up as you get older.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2c0261b e-flex e-con-boxed e-con e-parent\" data-id=\"2c0261b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c697381 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c697381\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-98eaa24 e-con-full e-flex e-con e-child\" data-id=\"98eaa24\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-34578da e-con-full e-flex e-con e-child\" data-id=\"34578da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5cd1b17 e-con-full e-flex e-con e-child\" data-id=\"5cd1b17\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be10d8e elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"be10d8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-clipboard-check\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M336 64h-80c0-35.3-28.7-64-64-64s-64 28.7-64 64H48C21.5 64 0 85.5 0 112v352c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48V112c0-26.5-21.5-48-48-48zM192 40c13.3 0 24 10.7 24 24s-10.7 24-24 24-24-10.7-24-24 10.7-24 24-24zm121.2 231.8l-143 141.8c-4.7 4.7-12.3 4.6-17-.1l-82.6-83.3c-4.7-4.7-4.6-12.3.1-17L99.1 285c4.7-4.7 12.3-4.6 17 .1l46 46.4 106-105.2c4.7-4.7 12.3-4.6 17 .1l28.2 28.4c4.7 4.8 4.6 12.3-.1 17z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60f5e60 e-con-full e-flex e-con e-child\" data-id=\"60f5e60\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-211d30f elementor-widget elementor-widget-heading\" data-id=\"211d30f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When \"Cheap\" Doesn't Mean \"Good\"<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a6b8e8c e-con-full e-flex e-con e-child\" data-id=\"a6b8e8c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf1b358 elementor-widget elementor-widget-text-editor\" data-id=\"bf1b358\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A low monthly premium is a great start. But the price tag alone doesn&#8217;t tell you whether a policy is right for your family. There are a few things that can make a &#8220;cheap&#8221; policy expensive in the ways that matter.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c44a3ea e-con-full e-flex e-con e-child\" data-id=\"c44a3ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-999be0a e-con-full e-flex e-con e-child\" data-id=\"999be0a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8fe37c8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8fe37c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Smart Affordable<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4605d7a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4605d7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Strong carrier with a high financial strength rating<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a173ba1 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a173ba1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Coverage amount that matches your family's actual needs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55b5900 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"55b5900\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Term length that covers your key financial years<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f92d4b9 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f92d4b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Clean policy with no hidden exclusions<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e804838 e-con-full e-flex e-con e-child\" data-id=\"e804838\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9f905c elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c9f905c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Just Cheap<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19c6ecb elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"19c6ecb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Unknown carrier with weak or no financial ratings<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09f8ef7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"09f8ef7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Coverage amount too low to replace your income<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ac15ad elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9ac15ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Short term that expires before your obligations end<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db5e279 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"db5e279\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Fine print that limits when the policy pays out<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bbb5fb elementor-widget elementor-widget-text-editor\" data-id=\"1bbb5fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A policy from a carrier with weak financials might save you $5 a month. But if that carrier struggles to pay claims 15 years from now, the savings disappear. Your family doesn&#8217;t collect. The entire point of the policy is gone.<\/p><p>Similarly, buying too little coverage because the monthly cost is lower might feel like a smart budget move. But if $200,000 doesn&#8217;t come close to replacing your income for the years your family would need it, the policy is underserving the people it&#8217;s supposed to protect.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d8459b3 e-con-full e-flex e-con e-child\" data-id=\"d8459b3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cfa8e5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2cfa8e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Important<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3222968 elementor-widget elementor-widget-text-editor\" data-id=\"3222968\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Affordable and adequate need to go together. The goal isn&#8217;t the cheapest possible policy. It&#8217;s the right amount of coverage, from a strong carrier, at a rate that fits your budget.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a6cc06 e-flex e-con-boxed e-con e-parent\" data-id=\"0a6cc06\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-908357b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"908357b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e4d86ad e-con-full e-flex e-con e-child\" data-id=\"e4d86ad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f0e2661 e-con-full e-flex e-con e-child\" data-id=\"f0e2661\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5553a53 e-con-full e-flex e-con e-child\" data-id=\"5553a53\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37b05df elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"37b05df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb33124 e-con-full e-flex e-con e-child\" data-id=\"cb33124\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f7fcc34 elementor-widget elementor-widget-heading\" data-id=\"f7fcc34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Know a Policy Is Right for You<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8dec0b3 e-con-full e-flex e-con e-child\" data-id=\"8dec0b3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f92768c elementor-widget elementor-widget-text-editor\" data-id=\"f92768c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You don&#8217;t need to become an insurance expert. But it helps to run through a short mental checklist before committing. If the answer to these five questions is &#8220;yes,&#8221; you&#8217;re in strong shape.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-09b35bd e-con-full e-flex e-con e-child\" data-id=\"09b35bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2aeb51d elementor-widget elementor-widget-heading\" data-id=\"2aeb51d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Your Quick Gut Check<\/p>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66ba294 e-con-full e-flex e-con e-child\" data-id=\"66ba294\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f1e0537 e-con-full e-flex e-con e-child\" data-id=\"f1e0537\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6de1904 e-con-full e-flex e-con e-child\" data-id=\"6de1904\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-97687bc e-con-full e-flex e-con e-child\" data-id=\"97687bc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5fffdfb elementor-widget elementor-widget-heading\" data-id=\"5fffdfb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">1<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dbbeae5 e-con-full e-flex e-con e-child\" data-id=\"dbbeae5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f3bcb7 elementor-widget elementor-widget-text-editor\" data-id=\"9f3bcb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Does the coverage amount replace your income<\/strong>\u00a0for the number of years your family would need it? A common starting point is 10 to 15 times your annual salary.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e3746e0 e-con-full e-flex e-con e-child\" data-id=\"e3746e0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-18adb3e e-con-full e-flex e-con e-child\" data-id=\"18adb3e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c0955f1 e-con-full e-flex e-con e-child\" data-id=\"c0955f1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1d7800 elementor-widget elementor-widget-heading\" data-id=\"a1d7800\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">2<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21c4bd8 e-con-full e-flex e-con e-child\" data-id=\"21c4bd8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bee2e58 elementor-widget elementor-widget-text-editor\" data-id=\"bee2e58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Does the term length cover your biggest obligations?<\/strong>\u00a0Think about when your mortgage will be paid off, when your kids will be financially independent, or when your retirement savings will be enough to sustain your household.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe58f94 e-con-full e-flex e-con e-child\" data-id=\"fe58f94\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f5d4169 e-con-full e-flex e-con e-child\" data-id=\"f5d4169\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-36d25d8 e-con-full e-flex e-con e-child\" data-id=\"36d25d8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb9132e elementor-widget elementor-widget-heading\" data-id=\"cb9132e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">3<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a6938c2 e-con-full e-flex e-con e-child\" data-id=\"a6938c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17acd85 elementor-widget elementor-widget-text-editor\" data-id=\"17acd85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Is the carrier financially strong?<\/strong>\u00a0Look for companies rated A or higher by AM Best. This rating reflects the carrier&#8217;s ability to pay claims years into the future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7359aca e-con-full e-flex e-con e-child\" data-id=\"7359aca\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d0b1ef2 e-con-full e-flex e-con e-child\" data-id=\"d0b1ef2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-214d283 e-con-full e-flex e-con e-child\" data-id=\"214d283\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c8e876 elementor-widget elementor-widget-heading\" data-id=\"1c8e876\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">4<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ec19819 e-con-full e-flex e-con e-child\" data-id=\"ec19819\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f129236 elementor-widget elementor-widget-text-editor\" data-id=\"f129236\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Can you maintain the monthly premium<\/strong>\u00a0without it straining your budget? A policy only works if you can keep paying it. Pick a rate you can sustain for the full term.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c86f49 e-con-full e-flex e-con e-child\" data-id=\"7c86f49\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3266f4b e-con-full e-flex e-con e-child\" data-id=\"3266f4b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ba42f20 e-con-full e-flex e-con e-child\" data-id=\"ba42f20\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c4db78 elementor-widget elementor-widget-heading\" data-id=\"4c4db78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-608f31a e-con-full e-flex e-con e-child\" data-id=\"608f31a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-928db90 elementor-widget elementor-widget-text-editor\" data-id=\"928db90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Have you compared quotes from multiple carriers?<\/strong>\u00a0The same person can get different rates from different companies. A side by side comparison makes sure you&#8217;re not overpaying.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e412b7c elementor-widget elementor-widget-text-editor\" data-id=\"e412b7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you answered yes to all five, the policy is working for you. You&#8217;ve matched coverage to need, confirmed the carrier is solid, and verified the rate fits your life.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a954a45 e-flex e-con-boxed e-con e-parent\" data-id=\"a954a45\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4ab0bc elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b4ab0bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b8c4e8 e-con-full e-flex e-con e-child\" data-id=\"6b8c4e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7582086 e-con-full e-flex e-con e-child\" data-id=\"7582086\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d3cdd09 e-con-full e-flex e-con e-child\" data-id=\"d3cdd09\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ced0710 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ced0710\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-cog\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M487.4 315.7l-42.6-24.6c4.3-23.2 4.3-47 0-70.2l42.6-24.6c4.9-2.8 7.1-8.6 5.5-14-11.1-35.6-30-67.8-54.7-94.6-3.8-4.1-10-5.1-14.8-2.3L380.8 110c-17.9-15.4-38.5-27.3-60.8-35.1V25.8c0-5.6-3.9-10.5-9.4-11.7-36.7-8.2-74.3-7.8-109.2 0-5.5 1.2-9.4 6.1-9.4 11.7V75c-22.2 7.9-42.8 19.8-60.8 35.1L88.7 85.5c-4.9-2.8-11-1.9-14.8 2.3-24.7 26.7-43.6 58.9-54.7 94.6-1.7 5.4.6 11.2 5.5 14L67.3 221c-4.3 23.2-4.3 47 0 70.2l-42.6 24.6c-4.9 2.8-7.1 8.6-5.5 14 11.1 35.6 30 67.8 54.7 94.6 3.8 4.1 10 5.1 14.8 2.3l42.6-24.6c17.9 15.4 38.5 27.3 60.8 35.1v49.2c0 5.6 3.9 10.5 9.4 11.7 36.7 8.2 74.3 7.8 109.2 0 5.5-1.2 9.4-6.1 9.4-11.7v-49.2c22.2-7.9 42.8-19.8 60.8-35.1l42.6 24.6c4.9 2.8 11 1.9 14.8-2.3 24.7-26.7 43.6-58.9 54.7-94.6 1.5-5.5-.7-11.3-5.6-14.1zM256 336c-44.1 0-80-35.9-80-80s35.9-80 80-80 80 35.9 80 80-35.9 80-80 80z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-275a29e e-con-full e-flex e-con e-child\" data-id=\"275a29e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d483f3 elementor-widget elementor-widget-heading\" data-id=\"7d483f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Factors That Shape Your Rate<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b3aa70 elementor-widget elementor-widget-text-editor\" data-id=\"7b3aa70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Insurance pricing isn&#8217;t random. Carriers use a specific set of factors to determine what you&#8217;ll pay. Understanding them helps you know what to expect and where you have room to find a better deal.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf43a0f e-con-full e-flex e-con e-child\" data-id=\"cf43a0f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-77ceb83 e-con-full e-flex e-con e-child\" data-id=\"77ceb83\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3814c1b e-con-full e-flex e-con e-child\" data-id=\"3814c1b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ca8707 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5ca8707\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-user\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M313.6 304c-28.7 0-42.5 16-89.6 16-47.1 0-60.8-16-89.6-16C60.2 304 0 364.2 0 438.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-25.6c0-74.2-60.2-134.4-134.4-134.4zM400 464H48v-25.6c0-47.6 38.8-86.4 86.4-86.4 14.6 0 38.3 16 89.6 16 51.7 0 74.9-16 89.6-16 47.6 0 86.4 38.8 86.4 86.4V464zM224 288c79.5 0 144-64.5 144-144S303.5 0 224 0 80 64.5 80 144s64.5 144 144 144zm0-240c52.9 0 96 43.1 96 96s-43.1 96-96 96-96-43.1-96-96 43.1-96 96-96z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-612752f elementor-widget elementor-widget-heading\" data-id=\"612752f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Your Age<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60f6c28 elementor-widget elementor-widget-text-editor\" data-id=\"60f6c28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>This is the biggest factor. Every year you wait, your rate goes up. Buying at 30 is significantly cheaper than buying at 40 for the same coverage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5498fd6 e-con-full e-flex e-con e-child\" data-id=\"5498fd6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-189b383 e-con-full e-flex e-con e-child\" data-id=\"189b383\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d32054a elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"d32054a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-heartbeat\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M320.2 243.8l-49.7 99.4c-6 12.1-23.4 11.7-28.9-.6l-56.9-126.3-30 71.7H60.6l182.5 186.5c7.1 7.3 18.6 7.3 25.7 0L451.4 288H342.3l-22.1-44.2zM473.7 73.9l-2.4-2.5c-51.5-52.6-135.8-52.6-187.4 0L256 100l-27.9-28.5c-51.5-52.7-135.9-52.7-187.4 0l-2.4 2.4C-10.4 123.7-12.5 203 31 256h102.4l35.9-86.2c5.4-12.9 23.6-13.2 29.4-.4l58.2 129.3 49-97.9c5.9-11.8 22.7-11.8 28.6 0l27.6 55.2H481c43.5-53 41.4-132.3-7.3-182.1z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75de26e elementor-widget elementor-widget-heading\" data-id=\"75de26e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Your Health<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5aa601f elementor-widget elementor-widget-text-editor\" data-id=\"5aa601f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Carriers look at your medical history, current conditions, height and weight ratio, and family health background. Good health means a better rate class and a lower premium.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b8ab3c6 e-con-full e-flex e-con e-child\" data-id=\"b8ab3c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0e937fa e-con-full e-flex e-con e-child\" data-id=\"0e937fa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a5ebd68 e-con-full e-flex e-con e-child\" data-id=\"a5ebd68\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7524fce elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7524fce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e08f37a elementor-widget elementor-widget-heading\" data-id=\"e08f37a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Tobacco Use<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8cff5b elementor-widget elementor-widget-text-editor\" data-id=\"e8cff5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Smokers and tobacco users pay significantly more, often two to three times the rate of a nonsmoker. This is one of the largest single factors in pricing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b1538a e-con-full e-flex e-con e-child\" data-id=\"8b1538a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-32f5757 e-con-full e-flex e-con e-child\" data-id=\"32f5757\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9c03d3 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"d9c03d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-desktop\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M528 0H48C21.5 0 0 21.5 0 48v320c0 26.5 21.5 48 48 48h192l-16 48h-72c-13.3 0-24 10.7-24 24s10.7 24 24 24h272c13.3 0 24-10.7 24-24s-10.7-24-24-24h-72l-16-48h192c26.5 0 48-21.5 48-48V48c0-26.5-21.5-48-48-48zm-16 352H64V64h448v288z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf9a200 elementor-widget elementor-widget-heading\" data-id=\"cf9a200\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Coverage Amount and Term<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-745eb6b elementor-widget elementor-widget-text-editor\" data-id=\"745eb6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>More coverage costs more. A longer term costs more. But per dollar of coverage, term insurance is remarkably efficient compared to other policy types.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48469af elementor-widget elementor-widget-text-editor\" data-id=\"48469af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Some of these factors are in your control and some aren&#8217;t. You can&#8217;t change your age or family history. But you can shop at the right time, compare carriers, and make sure your health profile is represented accurately so you get the rate class you qualify for.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7495637 e-con-full e-flex e-con e-child\" data-id=\"7495637\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fd8692 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7fd8692\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Tip<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-715b0b3 elementor-widget elementor-widget-text-editor\" data-id=\"715b0b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Different carriers weigh health conditions differently. A condition that bumps you to a &#8220;Standard&#8221; rate at one carrier might still qualify as &#8220;Preferred&#8221; at another. This is why comparing matters. You don&#8217;t have to accept the first number you see.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-be0f0f9 e-flex e-con-boxed e-con e-parent\" data-id=\"be0f0f9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-970c824 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"970c824\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bdd9ece e-con-full e-flex e-con e-child\" data-id=\"bdd9ece\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c798168 e-con-full e-flex e-con e-child\" data-id=\"c798168\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a78a014 e-con-full e-flex e-con e-child\" data-id=\"a78a014\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-571c28f elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"571c28f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M528.1 171.5L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6zM388.6 312.3l23.7 138.4L288 385.4l-124.3 65.3 23.7-138.4-100.6-98 139-20.2 62.2-126 62.2 126 139 20.2-100.6 98z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-97912a0 e-con-full e-flex e-con e-child\" data-id=\"97912a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aca5992 elementor-widget elementor-widget-heading\" data-id=\"aca5992\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5 Ways to Get Your Best Possible Rate<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-82472a7 e-con-full e-flex e-con e-child\" data-id=\"82472a7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f2b7fdd e-con-full e-flex e-con e-child\" data-id=\"f2b7fdd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-12ef714 e-con-full e-flex e-con e-child\" data-id=\"12ef714\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7a97ff9 e-con-full e-flex e-con e-child\" data-id=\"7a97ff9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-369746a e-con-full e-flex e-con e-child\" data-id=\"369746a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2020a4 elementor-widget elementor-widget-heading\" data-id=\"e2020a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">1<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58a2c65 e-con-full e-flex e-con e-child\" data-id=\"58a2c65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65d529d elementor-widget elementor-widget-heading\" data-id=\"65d529d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Buy Younger Rather Than Later<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9985885 elementor-widget elementor-widget-text-editor\" data-id=\"9985885\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Every birthday raises your rate. If you&#8217;ve been thinking about coverage, the math rewards acting now rather than next year. A 30 year old locking in a 20 year term pays significantly less per month than a 35 year old buying the same policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aaa0511 e-con-full e-flex e-con e-child\" data-id=\"aaa0511\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c157a7e e-con-full e-flex e-con e-child\" data-id=\"c157a7e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8377b12 e-con-full e-flex e-con e-child\" data-id=\"8377b12\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ce8fb1 elementor-widget elementor-widget-heading\" data-id=\"2ce8fb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">2<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bdcab20 e-con-full e-flex e-con e-child\" data-id=\"bdcab20\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f0bcaf elementor-widget elementor-widget-heading\" data-id=\"0f0bcaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">\nCompare Multiple Carriers Side by Side<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca8e0d0 elementor-widget elementor-widget-text-editor\" data-id=\"ca8e0d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pricing is not the same across the industry. The same healthy 35 year old might see a $10 per month difference between carriers for the same coverage amount and term. Over 20 years, that adds up to $2,400. A quick comparison can save you real money.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a3137d4 e-con-full e-flex e-con e-child\" data-id=\"a3137d4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-bb24bbc e-con-full e-flex e-con e-child\" data-id=\"bb24bbc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c5dafcd e-con-full e-flex e-con e-child\" data-id=\"c5dafcd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98853ad elementor-widget elementor-widget-heading\" data-id=\"98853ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">3<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4983133 e-con-full e-flex e-con e-child\" data-id=\"4983133\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90320bd elementor-widget elementor-widget-heading\" data-id=\"90320bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Be Accurate When You Apply<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2aecc9f elementor-widget elementor-widget-text-editor\" data-id=\"2aecc9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Answer health questions honestly and completely. Underwriting will verify what you report, and inaccurate answers just delay the process or lead to a rate adjustment. Accurate information up front gets you the right rate class from the start.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cda6427 e-con-full e-flex e-con e-child\" data-id=\"cda6427\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4170cd5 e-con-full e-flex e-con e-child\" data-id=\"4170cd5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-88a454d e-con-full e-flex e-con e-child\" data-id=\"88a454d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b87020d elementor-widget elementor-widget-heading\" data-id=\"b87020d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">4<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbb7874 e-con-full e-flex e-con e-child\" data-id=\"fbb7874\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe52f47 elementor-widget elementor-widget-heading\" data-id=\"fe52f47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Consider No Exam Options<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eb9e18 elementor-widget elementor-widget-text-editor\" data-id=\"3eb9e18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you&#8217;re healthy and want speed, no exam policies skip the medical exam and give you a decision faster. They sometimes cost a bit more, but the convenience is worth it for many applicants. Seeing both options side by side lets you decide.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ad5346 e-con-full e-flex e-con e-child\" data-id=\"5ad5346\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f904f0c e-con-full e-flex e-con e-child\" data-id=\"f904f0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8bc4702 e-con-full e-flex e-con e-child\" data-id=\"8bc4702\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-404c6e7 elementor-widget elementor-widget-heading\" data-id=\"404c6e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9deea33 e-con-full e-flex e-con e-child\" data-id=\"9deea33\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46adc1d elementor-widget elementor-widget-heading\" data-id=\"46adc1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Right Size Your Coverage<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e906d68 elementor-widget elementor-widget-text-editor\" data-id=\"e906d68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Don&#8217;t overbuy, but don&#8217;t underbuy either. Too much coverage wastes money on premiums you don&#8217;t need. Too little leaves gaps. A good rule of thumb is 10 to 15 times your annual income, adjusted for your mortgage, debts, and how many years your family would need support.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ba9cd8 e-con-full e-flex e-con e-child\" data-id=\"5ba9cd8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0e09357 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0e09357\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">The Bottom Line<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5698d4 elementor-widget elementor-widget-text-editor\" data-id=\"e5698d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You can&#8217;t negotiate a life insurance premium. Rates come from the carrier&#8217;s actuarial tables. But you can put yourself in the best position by buying at the right age, comparing carriers, and making sure you&#8217;re placed in the most favorable rate class for your health profile. That&#8217;s where the real savings happen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4657d5f e-flex e-con-boxed e-con e-parent\" data-id=\"4657d5f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dbdfa12 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"dbdfa12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b6e989 e-con-full e-flex e-con e-child\" data-id=\"4b6e989\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9c15800 e-con-full e-flex e-con e-child\" data-id=\"9c15800\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d3d1b0f e-con-full e-flex e-con e-child\" data-id=\"d3d1b0f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9abcdab elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"9abcdab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-exclamation-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zm-248 50c-25.405 0-46 20.595-46 46s20.595 46 46 46 46-20.595 46-46-20.595-46-46-46zm-43.673-165.346l7.418 136c.347 6.364 5.609 11.346 11.982 11.346h48.546c6.373 0 11.635-4.982 11.982-11.346l7.418-136c.375-6.874-5.098-12.654-11.982-12.654h-63.383c-6.884 0-12.356 5.78-11.981 12.654z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a654fea e-con-full e-flex e-con e-child\" data-id=\"a654fea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a662fb5 elementor-widget elementor-widget-heading\" data-id=\"a662fb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Common Questions About Affordable Term Life<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36e1ab9 e-con-full e-flex e-con e-child\" data-id=\"36e1ab9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-88c43fe elementor-widget elementor-widget-heading\" data-id=\"88c43fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">\"Is $20 a month for life insurance realistic?\"<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1218878 elementor-widget elementor-widget-text-editor\" data-id=\"1218878\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For many people, yes. A healthy nonsmoker in their late 20s or early 30s can often get $250,000 to $500,000 in coverage for around $20 to $30 per month. The rate depends on the carrier, coverage amount, term length, and your health profile. It&#8217;s not a marketing gimmick; it&#8217;s how term insurance pricing works for younger, healthy applicants.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-af57264 e-con-full e-flex e-con e-child\" data-id=\"af57264\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d8c8d5 elementor-widget elementor-widget-heading\" data-id=\"4d8c8d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">\"Should I always pick the cheapest option?\"<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0344eb0 elementor-widget elementor-widget-text-editor\" data-id=\"0344eb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Not necessarily. The cheapest option might come from a carrier with a lower financial strength rating or from a policy with less favorable terms. Price matters, but so does the carrier&#8217;s ability to pay your claim years from now. The best approach is to compare rates from carriers that have already been vetted for financial strength and claims reliability.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c06b0fe e-con-full e-flex e-con e-child\" data-id=\"c06b0fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c84683e elementor-widget elementor-widget-heading\" data-id=\"c84683e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">\"What if I have a health condition?\"<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a18149 elementor-widget elementor-widget-text-editor\" data-id=\"3a18149\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You can still get affordable coverage. Many conditions, especially well managed ones like controlled blood pressure or mild asthma, qualify for standard or even preferred rates at certain carriers. Each carrier evaluates health differently, so a condition that raises your rate at one company might not affect it at another. Comparing multiple quotes is especially valuable here.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ab7d5a e-con-full e-flex e-con e-child\" data-id=\"4ab7d5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a3df32d elementor-widget elementor-widget-heading\" data-id=\"a3df32d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">\"Does the rate ever change after I buy?\"<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13a2c60 elementor-widget elementor-widget-text-editor\" data-id=\"13a2c60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No. With a level term policy, your rate stays the same for the entire term. If you buy a 20 year policy at $28 per month, you pay $28 per month for all 20 years. Changes to your health after the policy is issued do not affect your premium.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aa93008 e-con-full e-flex e-con e-child\" data-id=\"aa93008\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ad50e3 elementor-widget elementor-widget-heading\" data-id=\"7ad50e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">\"Is it better to get a longer term just in case?\"<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0424a98 elementor-widget elementor-widget-text-editor\" data-id=\"0424a98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A longer term gives you more years of coverage, but it costs more per month. The sweet spot is matching the term to your actual financial obligations. If your youngest child will be on their own in 18 years and your mortgage will be paid off in 22, a 20 or 25 year term makes sense. You&#8217;re paying for protection you need, not coverage that extends past the point of purpose.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fa1276 e-flex e-con-boxed e-con e-parent\" data-id=\"1fa1276\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41184e3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"41184e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b438f6 e-con-full e-flex e-con e-child\" data-id=\"5b438f6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-01d8b8f elementor-widget elementor-widget-heading\" data-id=\"01d8b8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Ozzo Helps You Find the Right Rate<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a1c084 elementor-widget elementor-widget-heading\" data-id=\"8a1c084\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">We filter the carriers. You compare the options.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-624ab3b elementor-widget elementor-widget-text-editor\" data-id=\"624ab3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Most comparison sites show you every carrier on the market, including ones you&#8217;ve never heard of and might not want to trust with something this important. Ozzo takes a different approach. We pre-screen every carrier based on three things that matter when your family needs to rely on a policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37a580b e-con-full e-flex e-con e-child\" data-id=\"37a580b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9d6f378 e-con-full e-flex e-con e-child\" data-id=\"9d6f378\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-548755a e-con-full e-flex e-con e-child\" data-id=\"548755a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f584c58 e-con-full e-flex e-con e-child\" data-id=\"f584c58\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-425c84c elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"425c84c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-shield-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.5 83.7l-192-80a48.15 48.15 0 0 0-36.9 0l-192 80C27.7 91.1 16 108.6 16 128c0 198.5 114.5 335.7 221.5 380.3 11.8 4.9 25.1 4.9 36.9 0C360.1 472.6 496 349.3 496 128c0-19.4-11.7-36.9-29.5-44.3zM256.1 446.3l-.1-381 175.9 73.3c-3.3 151.4-82.1 261.1-175.8 307.7z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4af971 elementor-widget elementor-widget-heading\" data-id=\"c4af971\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financial Strength<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6286774 elementor-widget elementor-widget-text-editor\" data-id=\"6286774\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Can this carrier pay claims 20 or 30 years from now?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a73f21e e-con-full e-flex e-con e-child\" data-id=\"a73f21e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-829c837 e-con-full e-flex e-con e-child\" data-id=\"829c837\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ea6308 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"9ea6308\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-clock\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm61.8-104.4l-84.9-61.7c-3.1-2.3-4.9-5.9-4.9-9.7V116c0-6.6 5.4-12 12-12h32c6.6 0 12 5.4 12 12v141.7l66.8 48.6c5.4 3.9 6.5 11.4 2.6 16.8L334.6 349c-3.9 5.3-11.4 6.5-16.8 2.6z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-980e7ef elementor-widget elementor-widget-heading\" data-id=\"980e7ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Industry Longevity<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a022713 elementor-widget elementor-widget-text-editor\" data-id=\"a022713\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>How long has this carrier been operating and serving policyholders?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-853d570 e-con-full e-flex e-con e-child\" data-id=\"853d570\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-eabd1bf e-con-full e-flex e-con e-child\" data-id=\"eabd1bf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ce9c46 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"9ce9c46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6de32c7 elementor-widget elementor-widget-heading\" data-id=\"6de32c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Claims Reliability<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-baf6e85 elementor-widget elementor-widget-text-editor\" data-id=\"baf6e85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Does the carrier have a track record of paying claims fairly and on time?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c4208e e-con-full e-flex e-con e-child\" data-id=\"8c4208e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92503da elementor-widget elementor-widget-text-editor\" data-id=\"92503da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>So every quote you see on Ozzo comes from a carrier we&#8217;ve already evaluated. You&#8217;re not sifting through dozens of unknown companies hoping one of them is solid. You&#8217;re comparing a curated set of strong options, side by side, with the clarity you need to choose.<\/p><p>It takes about two minutes. You&#8217;ll see rates from multiple carriers, including no exam options. If you decide to move forward, you can apply in about ten minutes. Ozzo handles the rest from there.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a69c51a e-flex e-con-boxed e-con e-parent\" data-id=\"a69c51a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be2801e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"be2801e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9562349 e-flex e-con-boxed e-con e-parent\" data-id=\"9562349\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3fc00f1 elementor-widget elementor-widget-heading\" data-id=\"3fc00f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">More Read<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bc47a1 elementor-widget elementor-widget-foxiz-grid-flex-1\" data-id=\"9bc47a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"foxiz-grid-flex-1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"uid_9bc47a1\" class=\"block-wrap block-grid block-grid-flex-1 rb-columns rb-col-3 is-gap-20 meta-s-wrap\"><div class=\"block-inner\">\t\t<div class=\"p-wrap p-grid p-grid-1\" data-pid=\"5617\">\r\n\t\t\t\t\t<div class=\"feat-holder\">\r\n\t\t\t\t\t\t<div class=\"p-featured\">\r\n\t\t\t\t\t<a class=\"p-flink\" href=\"https:\/\/ozzoinsurance.com\/blog\/dont-leave-a-messthe-difference-betweeninheritance-and-peace-of-mind\/\" title=\"Don&#8217;t leave a mess: the difference between inheritance and peace of mind\">\r\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2000\" height=\"1333\" src=\"https:\/\/ozzoinsurance.com\/blog\/wp-content\/uploads\/2026\/04\/Dont-leave-a-mess-the-difference-between-inheritance-and-peace-of-mind.jpg\" class=\"featured-img wp-post-image\" alt=\"Dont leave a mess the difference between inheritance and peace of mind\" loading=\"lazy\" \/>\t\t<\/a>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t<p class=\"entry-title\">\t\t<a class=\"p-url\" href=\"https:\/\/ozzoinsurance.com\/blog\/dont-leave-a-messthe-difference-betweeninheritance-and-peace-of-mind\/\" rel=\"bookmark\">\r\n\t\tDon&#8217;t leave a mess: the difference between inheritance and peace of mind\t\t<\/a>\r\n\t\t<\/p>\t\t<\/div>\r\n\t\t\t\t<div class=\"p-wrap p-grid p-grid-1\" data-pid=\"5664\">\r\n\t\t\t\t\t<div class=\"feat-holder\">\r\n\t\t\t\t\t\t<div class=\"p-featured\">\r\n\t\t\t\t\t<a class=\"p-flink\" href=\"https:\/\/ozzoinsurance.com\/blog\/how-to-file-a-life-insurance-claim-what-beneficiaries-need-to-know\/\" title=\"How to File a Life Insurance Claim: What Beneficiaries Need to Know\">\r\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2000\" height=\"1333\" src=\"https:\/\/ozzoinsurance.com\/blog\/wp-content\/uploads\/2026\/04\/How-to-File-a-Life-Insurance-Claim-What-Beneficiaries-Need-to-Know.jpg\" class=\"featured-img wp-post-image\" alt=\"How to File a Life Insurance Claim What Beneficiaries Need to Know\" loading=\"lazy\" \/>\t\t<\/a>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t<p class=\"entry-title\">\t\t<a class=\"p-url\" href=\"https:\/\/ozzoinsurance.com\/blog\/how-to-file-a-life-insurance-claim-what-beneficiaries-need-to-know\/\" rel=\"bookmark\">\r\n\t\tHow to File a Life Insurance Claim: What Beneficiaries Need to Know\t\t<\/a>\r\n\t\t<\/p>\t\t<\/div>\r\n\t\t\t\t<div class=\"p-wrap p-grid p-grid-1\" data-pid=\"5547\">\r\n\t\t\t\t\t<div class=\"feat-holder\">\r\n\t\t\t\t\t\t<div class=\"p-featured\">\r\n\t\t\t\t\t<a class=\"p-flink\" href=\"https:\/\/ozzoinsurance.com\/blog\/7-life-insurance-myths-that-quietly-cost-families-money\/\" title=\"7 Life Insurance Myths That Quietly Cost Families Money\">\r\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2000\" height=\"1334\" src=\"https:\/\/ozzoinsurance.com\/blog\/wp-content\/uploads\/2026\/03\/7-Life-Insurance-Myths-That-Quietly-Cost-Families-Money.jpg\" class=\"featured-img wp-post-image\" alt=\"7 Life Insurance Myths That Quietly Cost Families Money\" loading=\"lazy\" \/>\t\t<\/a>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t<p class=\"entry-title\">\t\t<a class=\"p-url\" href=\"https:\/\/ozzoinsurance.com\/blog\/7-life-insurance-myths-that-quietly-cost-families-money\/\" rel=\"bookmark\">\r\n\t\t7 Life Insurance Myths That Quietly Cost Families Money\t\t<\/a>\r\n\t\t<\/p>\t\t<\/div>\r\n\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dba4ec0 e-flex e-con-boxed e-con e-parent\" data-id=\"dba4ec0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e67d48f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e67d48f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52a8b1b e-con-full e-flex e-con e-child\" data-id=\"52a8b1b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f04316 elementor-widget elementor-widget-heading\" data-id=\"4f04316\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">See What You'd Actually Pay<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d0c712 elementor-widget elementor-widget-text-editor\" data-id=\"6d0c712\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Compare term life rates from top carriers, filtered by financial strength and claims reliability. Real numbers in two minutes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-209cc5f elementor-widget elementor-widget-button\" data-id=\"209cc5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ozzoinsurance.com\/check-my-quotes\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CHECK MY QUOTES<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a906749 elementor-widget elementor-widget-text-editor\" data-id=\"a906749\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No commitment. No sales calls. Just clear numbers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b22b674 e-flex e-con-boxed e-con e-parent\" data-id=\"b22b674\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2cbe50e e-con-full e-flex e-con e-child\" data-id=\"2cbe50e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-161dec7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"161dec7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-share-square\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M568.482 177.448L424.479 313.433C409.3 327.768 384 317.14 384 295.985v-71.963c-144.575.97-205.566 35.113-164.775 171.353 4.483 14.973-12.846 26.567-25.006 17.33C155.252 383.105 120 326.488 120 269.339c0-143.937 117.599-172.5 264-173.312V24.012c0-21.174 25.317-31.768 40.479-17.448l144.003 135.988c10.02 9.463 10.028 25.425 0 34.896zM384 379.128V448H64V128h50.916a11.99 11.99 0 0 0 8.648-3.693c14.953-15.568 32.237-27.89 51.014-37.676C185.708 80.83 181.584 64 169.033 64H48C21.49 64 0 85.49 0 112v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48v-88.806c0-8.288-8.197-14.066-16.011-11.302a71.83 71.83 0 0 1-34.189 3.377c-7.27-1.046-13.8 4.514-13.8 11.859z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Share This Article<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div 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viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256c0 123.78 90.69 226.38 209.25 245V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.31 482.38 504 379.78 504 256z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_x-twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on x-twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-x-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M389.2 48h70.6L305.6 224.2 487 464H345L233.7 318.6 106.5 464H35.8L200.7 275.5 26.8 48H172.4L272.9 180.9 389.2 48zM364.4 421.8h39.1L151.1 88h-42L364.4 421.8z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_whatsapp\" role=\"button\" tabindex=\"0\" aria-label=\"Share on whatsapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-whatsapp\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M380.9 97.1C339 55.1 283.2 32 223.9 32c-122.4 0-222 99.6-222 222 0 39.1 10.2 77.3 29.6 111L0 480l117.7-30.9c32.4 17.7 68.9 27 106.1 27h.1c122.3 0 224.1-99.6 224.1-222 0-59.3-25.2-115-67.1-157zm-157 341.6c-33.2 0-65.7-8.9-94-25.7l-6.7-4-69.8 18.3L72 359.2l-4.4-7c-18.5-29.4-28.2-63.3-28.2-98.2 0-101.7 82.8-184.5 184.6-184.5 49.3 0 95.6 19.2 130.4 54.1 34.8 34.9 56.2 81.2 56.1 130.5 0 101.8-84.9 184.6-186.6 184.6zm101.2-138.2c-5.5-2.8-32.8-16.2-37.9-18-5.1-1.9-8.8-2.8-12.5 2.8-3.7 5.6-14.3 18-17.6 21.8-3.2 3.7-6.5 4.2-12 1.4-32.6-16.3-54-29.1-75.5-66-5.7-9.8 5.7-9.1 16.3-30.3 1.8-3.7.9-6.9-.5-9.7-1.4-2.8-12.5-30.1-17.1-41.2-4.5-10.8-9.1-9.3-12.5-9.5-3.2-.2-6.9-.2-10.6-.2-3.7 0-9.7 1.4-14.8 6.9-5.1 5.6-19.4 19-19.4 46.3 0 27.3 19.9 53.7 22.6 57.4 2.8 3.7 39.1 59.7 94.8 83.8 35.2 15.2 49 16.5 66.6 13.9 10.7-1.6 32.8-13.4 37.4-26.4 4.6-13 4.6-24.1 3.2-26.4-1.3-2.5-5-3.9-10.5-6.6z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Everyone talks about &#8220;cheap&#8221; life insurance. Here&#8217;s how to tell if a rate is good, if the coverage is right, and when a low price might cost your family more than it saves. You&#8217;ve probably seen the ads. &#8220;Term life insurance for just $20 a month.&#8221; Or the headlines promising &#8220;affordable coverage for your family.&#8221; [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5388,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[33],"tags":[],"class_list":{"0":"post-4268","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-life-insurance"},"acf":[],"_links":{"self":[{"href":"https:\/\/ozzoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/4268","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ozzoinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ozzoinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ozzoinsurance.com\/blog\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/ozzoinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=4268"}],"version-history":[{"count":58,"href":"https:\/\/ozzoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/4268\/revisions"}],"predecessor-version":[{"id":5601,"href":"https:\/\/ozzoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/4268\/revisions\/5601"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ozzoinsurance.com\/blog\/wp-json\/wp\/v2\/media\/5388"}],"wp:attachment":[{"href":"https:\/\/ozzoinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=4268"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ozzoinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=4268"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ozzoinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=4268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}