What Type of Life Insurance Matches Your Lifestyle?

Find out which policy fits you best—Term, Whole, IUL, or Final Expense—based on how you live, save, and plan for the future.

Instructions: Pick the answer that sounds most like you. Tally your points and check your results at the end!

1. How do you usually plan for big expenses?

A. I budget with a goal and a timeline—I'm all about strategy. (4 points)

B. I save a little here and there—whatever I can manage. (3 points)

C. I like flexibility. I don’t always follow a plan but I make it work. (2 points)

D. I just go with the flow and deal with things as they come. (1 point)

2. How do you think about your future finances?

A. I want to build wealth and leave a legacy. (4 points)

B. I want enough to take care of my family if something happens to me. (3 points)

C. I just want something that’s simple and easy to qualify for. (2 points)

D. I haven’t really thought that far ahead yet. (1 point)

3. Which statement best describes your income?

A. I have a stable income and can afford long-term investments. (4 points)

B. My income is steady, but I need something affordable and predictable. (3 points)

C. My income varies—I need flexibility. (2 points)

D. My income is limited—I just need coverage, nothing fancy. (1 point)

4. If you passed away unexpectedly, what would you want your policy to do?

A. Pay off my home and leave my kids a financial cushion. (4 points)

B. Cover my debts, help with living expenses, and fund college for my kids. (3 points)

C. At least cover my funeral and a few bills. (2 points)

D. Just cover funeral costs—I don’t want to burden anyone. (1 point)

5. How do you feel about using life insurance while you’re still alive?

A. Yes—if it grows cash and can be borrowed against, I’m in. (4 points)

B. That sounds great, but I don’t need all the bells and whistles. (3 points)

C. Maybe, but I care more about affordability right now. (2 points)

D. I thought life insurance was only for after you pass. (1 point)

6. What’s your attitude toward investing and financial tools?

A. I love building wealth and leveraging financial tools like a pro. (4 points)

B. I understand the basics and like tools that help me grow. (3 points)

C. I’m interested, but I get overwhelmed easily. (2 points)

D. That sounds complicated. I want simple, no-frills options. (1 point)

7. What’s your ideal balance between cost and benefits?

A. I’ll pay more if the benefits are worth it in the long run. (4 points)

B. I want good coverage at a price I can stick with. (3 points)

C. I need it affordable and don’t need anything extra. (2 points)

D. I just want the cheapest way to get covered. (1 point)

SCORE BREAKDOWN

24–28 Points: IUL Visionary 👑You’re building a legacy, and you want a policy that grows with you. An Indexed Universal Life (IUL) policy could be perfect—it builds cash value, offers flexibility, and can support your wealth strategy while you're still alive.

18–23 Points: Whole Life Warrior 🔒You’re stable, intentional, and want lifetime protection with guaranteed growth. A Whole Life policy gives you lifelong coverage and builds steady cash value—great for long-term planners and legacy builders.

12–17 Points: Term Life Tactician 📆You're practical and value protection at a price that makes sense. Term Life Insurance is budget-friendly and offers great coverage for a set period—perfect if you’re protecting income, kids, or a mortgage.

7–11 Points: Final Expense Friend 💐You’re focused on keeping things simple. Final Expense Insurance may be right for you—it’s easy to qualify for and covers funeral costs and small debts, so your loved ones aren’t left with the burden.