For Individuals & Families
Life insurance that fits the life you actually have.
Two kinds of coverage, real Hawaii rates, and approval that can happen in minutes instead of weeks.
Why this is worth ten minutes
Life insurance is the one policy that exists entirely for the people you love.
- It pays your family cash directly, tax free in most cases, when they need it most
- Some policies let you access part of the benefit early if you face a terminal illness
- Whole life builds cash value you can borrow against while you are still here
The one question that decides
Do you need coverage for a season of life, or for all of it?
- Self-enroll today
Term life
Covers a fixed period, usually while a mortgage, young kids, or a business loan depend on you. Lower cost for higher coverage.
- Terms of 10, 15, 20, or 30 years
- Return of premium can refund everything you paid if you outlive the term
- Living benefits let you access funds early for terminal illness
- Instant approval available with no medical exam
Whole life
Covers you for life and builds cash value along the way. Costs more per dollar of coverage, and does more.
- Guaranteed death benefit that never expires
- Cash value grows tax deferred and can be borrowed against
- Optional term rider extends coverage for the years you need the most
- Quoted in a conversation, since the right structure depends on your goals
Sample term life rates in Hawaii
Sample rates for a 39 year old male non-smoker in above-average health, 20 year term, with the return of premium rider included. Your rate depends on your age, health, term length, and riders.
$100,000
- Monthly rate
- $47.86
$200,000
- Monthly rate
- $89.61
$500,000
- Monthly rate
- $168.35
| Feature | $100,000 | $200,000 | $500,000 |
|---|---|---|---|
| Monthly rate | $47.86 | $89.61 | $168.35 |
These include return of premium, which refunds your premiums if you outlive the term. Without it, the monthly rate is lower.
Approval without the wait
Term life through our self-enrollment link offers instant approval with no medical exam for most applicants. Answer health questions, get a decision, and coverage can be in force the same day. Instant-approval limits vary by age, and we will tell you exactly where you fall if you would rather talk first.
Who this is not for
If you have significant health conditions, instant approval may not be available, and we may need to look at fully underwritten options or guaranteed-issue coverage instead. Start the self-enrollment and the questions will tell you, or call us and we will tell you before you apply. And if you already have enough coverage through work, we will say so.
How it looks in real life
A 40-year-old non-smoker takes a 20-year term policy with return of premium. He outlives the term, and every premium he paid comes back to him.
A 52-year-old with whole life receives a terminal diagnosis. He accesses part of his benefit early to cover care and time with family. The rest goes to his beneficiaries.
Two ways to do this
Enroll yourself
Quote and apply for term life in about ten minutes. Instant decision for most applicants, and we are still your agent on the policy.
Quote and enroll term lifeOr talk it through first
Fifteen minutes to figure out term or whole, how much, and what you actually qualify for.
Book a free consultation
Our help is free either way. We are paid by the carriers you choose, not by you, and your price is the same whether you enroll yourself or we do it together.
Product availability, rates, and contracting tiers vary by carrier and state. All rates shown are sample rates.