LifeShield Term 20
Guardian Life
$67
/month
Coverage Limit
$2.0M
Deductible
$0
Annual Premium
$756
Response Time
< 1 hr
- ✓20-year level term
- ✓Convertible to whole life
- ✓Living benefits rider
ClearPath Health Plus
BlueCross Shield
$289
/month
Coverage Limit
$1.0M
Deductible
$2,500
Annual Premium
$3,228
Response Time
< 2 hrs
- ✓Zero copay preventive care
- ✓Nationwide network
- ✓Mental health coverage
HomeGuard Elite
SafeNest Insurance
$178
/month
Coverage Limit
$0.8M
Deductible
$3,000
Annual Premium
$2,016
Response Time
< 3 hrs
- ✓Flood rider available
- ✓Replacement cost coverage
- ✓Smart home discount
LifeShield Whole Life
Guardian Life
$198
/month
Coverage Limit
$0.5M
Deductible
$0
Annual Premium
$2,256
Response Time
< 1 hr
- ✓Lifetime coverage
- ✓Cash value growth
- ✓Dividend eligible
AutoLite Liability
StateFarm Direct
$89
/month
Coverage Limit
$0.1M
Deductible
$500
Annual Premium
$996
Response Time
< 1 hr
- ✓State minimum+
- ✓Accident forgiveness
- ✓Good driver discount
DriveSecure Comprehensive
Allstate Pro
$142
/month
Coverage Limit
$0.5M
Deductible
$1,000
Annual Premium
$1,590
Response Time
< 4 hrs
- ✓Roadside assistance 24/7
- ✓Rental reimbursement
- ✓Uninsured motorist
SmallBiz Essential
Chubb Commercial
$267
/month
Coverage Limit
$1.0M
Deductible
$2,500
Annual Premium
$3,024
Response Time
< 4 hrs
- ✓BOP bundled
- ✓Workers comp rider
- ✓Business interruption
BizCover Professional
Hartford Business
$415
/month
Coverage Limit
$2.0M
Deductible
$5,000
Annual Premium
$4,680
Response Time
< 6 hrs
- ✓General liability
- ✓E&O coverage
- ✓Cyber liability add-on
JetSet Annual Travel
TravelGuard Plus
$62
/month
Coverage Limit
$0.5M
Deductible
$100
Annual Premium
$744
Response Time
< 2 hrs
- ✓Unlimited trips/year
- ✓Pre-existing condition waiver
- ✓Cancel for any reason
WanderSafe Global
TravelGuard Plus
$38
/month
Coverage Limit
$0.3M
Deductible
$250
Annual Premium
$456
Response Time
< 2 hrs
- ✓Trip cancellation 100%
- ✓Medical evacuation
- ✓24/7 concierge
ClearPath Health Basic
BlueCross Shield
$189
/month
Coverage Limit
$0.5M
Deductible
$5,000
Annual Premium
$2,148
Response Time
< 2 hrs
- ✓Emergency coverage
- ✓Generic drug coverage
- ✓Telehealth included
HomeShield Standard
Nationwide Home
$134
/month
Coverage Limit
$0.4M
Deductible
$2,000
Annual Premium
$1,560
Response Time
< 5 hrs
- ✓Dwelling replacement
- ✓Personal property
- ✓Liability protection