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Life insurance · For families

Life insurance built around the people who count on you.

See a coverage target built from your own income in 60 seconds. Then a licensed adviser looks at your whole picture, not one product, and tells you what fits. No medical exam to get a number. No cost, no obligation.

  • No exam to see your number
  • Your whole picture, not one product
  • Free, no obligation, no pressure

What Is Your Current Age?

Your age is the biggest factor in what you qualify for and what it costs.

No cost, no obligation. Your answers are used only to build your number.

See what changes

Same month. Same bills. One difference.

Flip the switch. On one side the paycheck stops and the savings drain a month at a time. On the other, the benefit replaces the income and the ledger holds.

  • Bills don't pause for a funeral: the mortgage or rent, groceries, school, the car.
  • A policy pays your family, not the bank, and they decide how to use it.
  • Coverage sized to your income means the number is yours, not a table's.
Household ledgerAug · month 1

Savings remaining

$13,800

Draining

Monthly bills

$4,200

Paycheck

$0

Months of savings left

3

Spent so far

$4,200

1 month in

The bills keep coming. The paycheck doesn't.

Why Protect Your Kin

A plan that's actually about your family

  • Built around your people

    Who depends on you and what you bring home set the target, not a one-size-fits-all table.

  • The whole picture, not one product

    A licensed adviser looks at income, debts, savings, and who depends on you, then says which kind of coverage fits. Sometimes the answer is that you already have enough.

  • No exam to see your number

    Five questions, sixty seconds. Some policies never need an exam at all. The adviser will tell you which.

IncomeDebts & mortgageSavingsWho depends on you
LICENSED ADVISERTermPermanentFinal expenseAlready covered
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The math

Ten years of income is where the conversation starts

Your coverage target is your annual income times the years you want it to keep coming. Simple on purpose, so you can check it yourself. The adviser then shapes it around your debts, savings, and what you already have.

  • Your income

    What your household brings home each year, before tax.

  • Times the years

    Five, ten, or fifteen years of runway. Enough to finish school, pay down the house, or just breathe.

  • Equals the target

    That's the starting point for the conversation. Term, permanent, final expense, or a mix: the adviser matches the products to the number, not the other way round.

Your income, every year

$60,000

× 10 years

$600,000

5 yrs · $300,000
10 yrs · $600,000
15 yrs · $900,000
Year 1Year 15
Work coverage vs. your own

Employer coverage is worth keeping. It just isn't yours.

Most people's only life insurance is a group plan through work. Here's how that compares with a policy in your own name.

Hired
Leave for a new job
Go independent
Retire

Through your employer

Coverage ends

A policy of your own

Still yours
Year 0Year 20

Keep the work coverage. Add a policy that doesn't disappear with the job.

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Why it matters

Most families are covered less than they think

American adults say they need life insurance, or more of it1
102M
of households would face hardship within six months of losing the main earner1
44%
of adults own any life insurance at all1
51%
annual income is the coverage rule of thumb most planners start from2
10×

Sources are listed at the bottom of the page.

How it works

Three steps, one honest conversation

  1. What Is Your Current Age?

    Under 50›
    50 to 59›
    60 to 69›
    70 to 80›

    Answer five questions

    Age, who depends on you, income, current coverage, and how long it should last. About a minute.

  2. Protect Your Kin

    Hi Sarah, it's Mark with Protect Your Kin. I have your target of $600,000 in front of me. Got ten minutes this week to go through the full picture?
    Sure. Thursday afternoon works.
    Thursday at 4. I'll bring options from three carriers, and if what you already have is enough, I'll tell you that too.

    A licensed adviser reaches out

    By text or call, at the number you give us. They go through your full picture: income, debts, savings, who depends on you, and what coverage you already hold.

  3. Your plan

    In writing
    • Term life · $600,000 · 20 years
    • Final expense · $25,000
    • Keep the plan through work
    No fee · No obligation · Your call

    Get a plan, then decide

    You get a recommendation for the mix that fits, from carriers licensed in your state. Apply if it's right. No fee and no obligation at any point.

A family at breakfast before school: coffee poured, an apple, a backpack being fastened.
Who this is for

If someone would notice the paycheck stop, this is for you

  • New parents

    The first years are when the gap is biggest and the coverage is cheapest.

  • One-income households

    When one paycheck carries everyone, the plan needs a backup.

  • Homeowners with a mortgage

    The bank gets paid either way. Coverage decides by whom.

  • Anyone who's never had it explained

    Term, whole, indexed, final expense. One conversation sorts out which of them you actually need.

Common questions

Asked all the time, answered straight

What kinds of life insurance are there?

Term covers a set number of years and is the simplest way to replace an income. Permanent coverage, like whole life or indexed universal life, lasts your lifetime and builds cash value. Final expense is a small policy for the funeral and last bills. Most families need one or a mix; the adviser works out which.

How much coverage do I need?

Start from income times years. Ten years is the most common target; five if you have savings, fifteen if the kids are young. Our questionnaire builds the number from your own income, and the adviser adjusts it for debts, savings, and coverage you already have.

Will I need a medical exam?

Not to see your number. Whether a policy needs one depends on the carrier, the amount, and your health. Many policies use a health questionnaire instead of an exam. The adviser will tell you which options apply to you.

How much does it cost?

Rates depend on your age, health, the amount, and the kind of coverage. There's no one-size number, which is why a licensed adviser quotes you after a real conversation rather than a website guessing.

Who gets the money?

Whoever you name as beneficiary: a spouse, children, a parent, or a trust. It's paid directly to them, generally free of income tax, and they decide how to use it.

What if I already have life insurance?

Then the conversation is about whether it's enough and whether it's the right kind. Work coverage usually ends with the job; an old policy may be sized for a life you no longer have. Sometimes the answer is that you're fine, and the adviser will say so.

Is Protect Your Kin an insurance company?

No. We're an independent insurance marketing service. We connect you with licensed advisers who compare coverage from multiple carriers and look at your whole picture. We don't issue policies, set rates, or make coverage decisions.

What happens after I submit?

A licensed adviser reviews your request and reaches out by text or call. There's no fee and you're never obligated to buy. You can stop contact at any time by replying STOP.

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See your family's number

Five questions. Sixty seconds. No cost, no obligation.

Start now