Every few seconds a child or partner loses the relative they are financially dependent on.

If anything happened to you, your life insurance would pay a tax free lump sum to your family to help cover the financial loss of losing you.

Personal finance experts recommend that you have savings and/or coverage that are at least ten times your annual salary, if not more. If you have already built up enough savings to provide that safety net on your own, then you may not need life insurance. If your savings falls a bit short, getting a term or guaranteed issue whole life insurance policy can help protect your family's future.

Most of our customers are one or more of the following:

Parents: It costs tens of thousands to raise a child to adulthood, not including college tuition. A life insurance policy can help ensure financial security for your family.

Homeowners: A mortgage is likely the most significant debt you will ever take on. If you are a homeowner, consider a life insurance policy that lasts the same length as your mortgage term so your family is not stuck in a financially unsustainable situation.

Partners: You'd do anything for your partner, which means ensuring they are taken care of if you die unexpectedly. Be sure to take into account any shared debt, expenses, and future financial plans.

Business owners: It's not just your family that depends on you when you own a business. Ensuring your business can still run even after you're gone is a smart move.

Caretakers: If someone depends on you, like an elderly parent or family member with a disability, what would happen to them if you weren't around? You may want to consider coverage to make sure they'd be taken care of.

Most financial experts recommend coverage of 10-12x your annual salary. Our "Dad's Real Worth" calculator factors in not just your salary, but your true economic value including the lawn care, home repairs, coaching, and all the other contributions that would cost real money to replace. For most dads, this means $500,000 to $1.5 million in coverage..

The only time life insurance doesn't pay out is when you're not 100% open and honest during your application.

Otherwise, you shouldn't worry.

Term Life

Provides coverage for a specific period of time and pays out a death benefit if the policyholder dies during that time.

Whole Life

Provides lifetime coverage and builds cash value over time, which can be borrowed against or used to pay premiums.

Universal Life

Similar to whole life insurance, but with more flexibility in premium payments and death benefit amounts.

Final Expense

Provides coverage for end-of-life expenses such as funeral and medical costs.

Group Life

Coverage provided to a group of people, such as employees of a company, as a benefit from the employer.

There are other variations but for the majority of people, Term Life is the best choice.

Your employer policy is typically only 1-2x your salary (often around $50,000-$100,000). That wouldn't even cover one year of your family living expenses + burial expenses , let alone your kids' future college expenses. 

Plus, that coverage disappears the day you leave or lose your job. Your work policy protects your job.

 A personal term policy protects their home.

Here's the truth: your health and age are your biggest assets right now when it comes to life insurance rates. Every birthday means higher premiums. Waiting until 40 could cost you 30-40% more for the same coverage. Plus, you never know when a routine physical might reveal something that makes you uninsurable. Lock in your "healthy guy" rate today.

Most of our partner insurers offer no-exam policies for healthy applicants under 50. You answer health questions online, and advanced algorithms determine your eligibility. No needles, no nurse visits, no taking time off work.

A healthy 35-year-old dad can typically get $500,000 in coverage for $25-40/month, or $1 million for $40-70/month. That's less than your streaming services. Most dads are shocked to discover it costs way less than they thought—72% of Americans overestimate the cost by 3x or more.

Unlike generic insurance marketplaces, Forever Father exclusively serves fathers. We ask you the real questions upfront about your actual health, lifestyle, and family situation so we can match you with insurers who'll give you the lowest possible rate from the start. No bait-and-switch where your quote jumps from $40 to $95 after underwriting. We remove the friction that's kept you from acting: no medical exams for most applicants, 10-minute applications, and honest pricing designed for busy dads who need to get this handled right the first time.