We shopthe carriers.You get the win.
Permacare compares top-rated life insurers for you, so you don’t have to sit through quote after quote. Term, whole life, index universal life, or mortgage protection — matched to your family and your budget.
Carriers we compare for you
One carrier will tell you theirs is best. We check them all.
We do the comparing
Your age, health, and budget go across multiple carriers at once. You get the answer, not the homework.
A real person on your side
Call or text and a licensed broker answers. Honest advice, term or permanent, whichever actually fits.
Same coverage, no extra cost to you
In most cases the carrier pays the broker, so you don’t pay more for having help.
How much coverage does your family actually need?
Slide the numbers. See a ballpark in seconds, then we’ll find the best way to cover it.
A rule-of-thumb estimate to start the conversation, not financial advice. A Permacare broker will help you fine-tune it.
Four ways to protect the people you love
No one-size-fits-all. We’ll walk you through what each one does, then help you pick, with no pressure either way.
Term Insurance
The most coverage for the lowest cost, for the years you need it most: a mortgage, raising kids, your working years.
Learn more →Whole Life Insurance
Permanent coverage with a locked-in rate and cash value that grows the entire time you’re covered.
Learn more →Index Universal Life
Permanent coverage with growth tied to market performance, plus a guaranteed floor so you never lose value.
Learn more →Mortgage Protection
Coverage sized to your mortgage, so your family can keep the house no matter what happens to you.
Learn more →Whatever your life looks like, there’s a fit
Tell us where you are and we’ll shop the carriers for the coverage that makes sense, with honest advice on term versus permanent.
New parents
A new baby means new responsibility. Lock in coverage while rates are low and your health is good.
Get a quote → 02Homeowners
Make sure the mortgage never becomes your family’s problem. Coverage sized to the loan.
Get a quote → 03Self-employed & business owners
No employer plan behind you. Protect your income, your partners and the business you built.
Get a quote → 04Planning ahead
Final expenses, legacy and permanent coverage that never expires, so nothing lands on the people you love.
Get a quote →Covered in three steps
No runaround, no pushy follow-ups.
Tell us about you
Answer a few quick questions online, or call or text. It’s a conversation, not a sales pitch.
We shop the carriers
Permacare compares top-rated insurers to find the strongest fit for your health, goals, and budget.
You’re covered
Pick the plan you like, finish the application with us, and your family is protected.
Built around you, not a call center
Your policy, always at your fingertips
Every client gets a secure Permacare account. Sign in any time to see your coverage amount, premium, policy number, and who to call.
States, one team
Licensed nationwide, so we can help wherever you call home.
Honest, either way
Term is the right call for some families, permanent for others. We’ll tell you which one fits yours, and why.
Built for the people you love
Life insurance is really about the people who count on you. Permacare shops the carriers for you, gives honest advice, and stays with you long after the policy is in force, so the ones you love are covered whatever comes.
Let’s find your rate.
Leave your name and number. A licensed Permacare broker will call you back with real numbers. Free, no obligation.
Prefer to answer a few questions first? Start the quick quoteStraight answers
Term covers you for a set window, usually 10 to 30 years, and costs the least for the amount of coverage. Permanent coverage (whole life or index universal life) stays in force for as long as you keep it funded and builds cash value along the way. Neither is better in general. It depends on your budget and how long you need protection.
In most cases no. Insurers pay brokers out of the premium, so the same coverage generally costs the same whether you buy it through a broker or direct. The difference is that we compare several carriers for you.
Carriers price based on your age, health, tobacco use, and the amount and type of coverage you choose. Because each carrier weighs those things differently, the best rate for you can come from a different company than your neighbor’s.
It depends on the carrier, the policy, and the coverage amount. Some require an exam and some don’t. A Permacare broker will tell you what applies to your situation before you apply.
Nothing. Getting a quote is free with no obligation, and there’s no pressure to buy.
Most policies include a grace period, and some permanent policies can use cash value to cover a missed payment. The specifics depend on your policy, so reach out to us right away and we’ll help you sort it out.