Life Insurance & Long-Term Care

Peace of mind for the people who depend on you.

Explore life insurance for the people who depend on you, and long-term care insurance for care you may need. Start a life quote online or talk through your options with a licensed agent.

Start my life quote online Talk through my options

A licensed agent helps you review policy details and next steps.

Explore long-term care

Start with the differences.

Three kinds of protection. Different reasons to choose them.

Understanding the purpose of each policy is a useful first step toward a conversation about your needs.

Term life

Coverage for a set period, often considered for income replacement while raising children or paying a mortgage.

Coverage period: A defined term
A conversation to have: How long will the people you support rely on your income?

Whole life

Permanent coverage with a cash-value component, subject to the policy's terms and requirements.

Coverage period: Designed for lifelong coverage
A conversation to have: How does ongoing protection fit your priorities and budget?

Final expense

A smaller life policy intended to help with funeral and other end-of-life costs.

Coverage focus: A more specific financial need
A conversation to have: What costs do you want to help your family prepare for?

Additional options to discuss

Accidental death

Additional benefits if death results from a covered accident.

Child riders

Options for adding coverage for children to a parent's policy.

Living benefits

Access to part of a benefit after a qualifying critical illness, under the policy's terms.

Long-term care · Agent-assisted guidance

Plan for care you may need.

Long-term care can mean help with everyday activities, such as bathing or dressing, at home or in a care setting. Medicare does not pay for ongoing custodial long-term care.

Medicare.gov: understanding long-term care

NavaQuote offers long-term care insurance. Talk with an agent about your needs, budget, and the policy details that matter.

Questions worth asking

Which services and care settings are covered?
When would benefits begin, and what limits apply?
What would you pay now and over time?

Ask about long-term care

An agent-assisted conversation about your needs and next steps.

A life policy starts with a purpose.

What are you protecting?

The amount and type of life coverage depend on your own situation. These are useful starting points for a conversation with a licensed agent.

Talk through the coverage question

Your household's income
Consider the everyday expenses and support your family would need.
Your debts and commitments
Think about a mortgage and other obligations your household may carry.
The people who depend on you
Include children, other dependents, and the future needs you want to plan for.

A little clarity.

Life insurance questions, answered.

A conversation can help put your options into perspective.

Ask about life or long-term care

How much life insurance do I actually need?

It depends on income, debts, dependents, and your existing resources. A licensed agent can help you work through your situation and discuss an appropriate amount of coverage.

Do I need a medical exam?

Some policies require one and others do not. Your options depend on the product, insurer, and application details.

Can my coverage be reviewed as life changes?

Yes. An agent can help you revisit your coverage and beneficiary choices as your family, finances, and priorities change.

Is long-term care the same as life insurance?

They address different planning needs. Long-term care focuses on eligible care needs during life. A life policy's primary purpose is a benefit for beneficiaries after death. Discuss the design and terms of available products with an agent.