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BD / TOOL 05
Free nationwide comparison tool

Put every policyon equal ground.

Use this worksheet to compare three life insurance options side by side. No email address, account, or sales call is required.

Start with the direct answer

Do not compare a premium until you know what it buys.

A useful comparison holds the basics steady: the same person, the same coverage amount, the same payment schedule, and the same goal. Then it shows what is guaranteed, what can change, and what each rider actually does.

This worksheet is educational. It does not recommend a product, replace a carrier illustration, or provide legal or tax advice. Product availability, underwriting, policy forms, and rider terms vary by carrier and state.

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What to compare
Carrier and policy nameWrite the exact issuing company and product name.
Coverage amountCompare the same death benefit whenever possible.
Final premiumUse the approved premium after underwriting, not only the first estimate.
Premium scheduleMonthly or annual amount, how long you pay, and whether it can change.
Underwriting classPreferred, standard, rated, or another final carrier decision.
Guaranteed periodHow long the coverage or premium is contractually guaranteed.
Cash valueSeparate guaranteed values from illustrated, non-guaranteed values.
Living benefitsList the qualifying triggers, limits, costs, and effect on the death benefit.
Conversion rightsRecord the deadline and which permanent policies may be available.
Loans and withdrawalsNote interest, charges, lapse risk, and possible tax consequences.
Surrender chargesRecord how long they last and how they decline.
Why this option fitsConnect the policy to the responsibility it is meant to protect.
Six checks before you decide

A better comparison starts with better questions.

  1. 01

    Start with the financial responsibility the policy needs to cover.

  2. 02

    Ask for the same coverage amount and payment schedule wherever possible.

  3. 03

    Use the final underwriting offer instead of relying on an early quote.

  4. 04

    Separate contractual guarantees from illustrations and current assumptions.

  5. 05

    Read rider definitions, limits, charges, exclusions, and remaining benefits.

  6. 06

    Choose a premium you can reasonably maintain for the intended coverage period.

Want help reading the differences? We can compare suitable options from available carriers and explain the contract in plain English.

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