Life insurance

Written for people considering a first policy — starting with whether you need one at all, which is a question most guides skip.

Guides

Start here

Course

Do you need life insurance in your 20s?

An honest answer, including the common case where it is no.

Read → Explainer

Term vs whole life insurance

How they differ, and the specific cases where permanent cover fits.

Read → Guide

How much life insurance do you need?

Size it from your real obligations, not a salary multiple.

Read →

Our position

Most people in their twenties do not need this yet

Life insurance replaces income other people depend on. If nobody depends on yours and you share no debt, there is usually nothing for a policy to protect. We would rather say that than sell you cover you do not need — and be here when that changes.