Life insurance that protects your family and your business.
Term, whole life, final expense, and IUL — compared across carriers by Gatson Life & Financial Group, so you get the right coverage at the right price.
Get a free life insurance quoteCoverage options
Term Life
Affordable coverage for 10, 20, or 30 years. Replace your income, cover the mortgage, and protect your kids through the years they depend on you most.
Whole / Permanent Life
Lifelong coverage with fixed premiums and cash value that builds over time. Something your family can count on, no matter when.
Final Expense
Smaller whole life policies sized to cover funeral and end-of-life costs, so loved ones aren't left with the bill. Simple underwriting.
IUL & Annuities
Permanent protection with cash value linked to a market index, plus annuities for guaranteed retirement income. Growth potential with a floor.
If someone depends on you, you need a plan.
- Parents who want their kids protected if something happens
- Homeowners who want the mortgage covered
- Business owners who need key-person or buy-sell coverage
- Self-employed workers without employer life insurance
- Seniors planning ahead for final expenses
- Anyone building tax-advantaged savings for retirement
Life insurance FAQ
How much life insurance do I need?+
A common starting point is 10–12× your annual income plus debts like a mortgage. We'll walk through your real numbers for free. You can also explore a young family's coverage scenario on the See Yourself Here page.
Term or permanent — which is better?+
Term gives you the most coverage for the lowest price over a set period. Permanent (whole or IUL) costs more, but lasts your whole life and builds cash value. Many families combine both.
Do I need a medical exam?+
Not always. Many carriers offer no-exam or simplified-issue policies, especially for term and final expense. It depends on age, health, and coverage amount.
Can my business buy life insurance?+
Yes. Key-person coverage and buy-sell funding protect your company if an owner or critical employee passes away.
Final expense vs. burial insurance: what's the difference?+
They're mostly the same thing. Both are usually small whole life policies meant to cover funeral and end-of-life costs. "Burial insurance" is a marketing term, and some carriers use it for policies with waiting periods or limited benefits, so compare the details.
How much does life insurance cost?+
Price depends on your age, health, tobacco use, coverage amount, and policy type. Term is usually the least expensive way to get a large amount of coverage. Rates vary by carrier.
Can I get life insurance with health conditions?+
Often, yes. Some carriers specialize in conditions like diabetes or high blood pressure, and guaranteed-issue final expense policies don't ask health questions. Options vary by carrier.
Can I get life insurance in my state?+
We work with carrier partners nationwide. Available products and carriers vary by state.
How fast can I get a quote?+
Most quote requests are answered within one business day.
Lock in coverage while you're healthy.
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