Foundations8 min
01
Life insurance, in 800 words.
Forget the jargon. Here's the whole product explained at a sixth-grade level — and why it might be the most boring thing that ever saved your family.
Read essay →The library
Read it.
Then get a quote.
Six short essays. Together, they're everything most people need to know about life insurance before they spend a dollar.
Foundations6 min
02
Term vs whole life: the only chart you need.
One is rent, one is a mortgage on a tiny invisible house. We'll tell you which 95% of people should actually buy.
Read essay →Money5 min
03
How much coverage do you actually need?
Income × 10 is lazy. We'll show you the real math: debt, dependents, future income, and the number you should walk in with.
Read essay →The fine print7 min
04
Riders, explained without sedation.
Waiver of premium. Accelerated death benefit. Child term. Which add-ons are worth it, and which are pure margin for the agent.
Read essay →Health4 min
05
What the medical exam actually looks at.
Blood, urine, family history. What helps your rate, what kills it, and how to game it ethically.
Read essay →After5 min
06
Beneficiaries: don't screw this up.
Primary, contingent, per stirpes. The two-minute fix that prevents your in-laws from inheriting everything.
Read essay →Done reading?
Run the numbers.
You now know more than most people who already own a policy. Let's find out what yours should look like.