Last updated: October 6, 2026
Why we publish
Future Proof Life Insurance publishes articles and guides to help people understand life insurance, including term, whole life, indexed universal life, and final expense coverage, so they can ask better questions before they buy. Our content is educational and is not a substitute for advice from a licensed professional. See our Disclaimer & Disclosures.
Who publishes this content
Articles are published by the Future Proof Life Insurance editorial team in Detroit, Michigan.
Sources we use
- Insurance company product pages, policy forms, and published disclosures.
- State insurance regulators and national bodies such as the NAIC.
- The IRS and other federal agencies for tax rules, and Medicaid and Social Security sources for benefit-related topics.
- Government and public-health data, such as CDC and SEER statistics, for medical and mortality figures.
Where an article relies on a statistic or a legal or tax rule, we aim to point to the primary source.
Accuracy and updates
Articles show a last-updated date. Laws, insurer products, and prices change, so we review pricing examples and legal or tax statements from time to time and revise articles when we find that details are out of date.
Prices and examples
Prices, rate tables, and scenarios in our articles are illustrative. Actual premiums depend on underwriting and vary by insurer, product, and state.
Health-related topics
Articles about health conditions describe in general how insurers often evaluate applicants. They are not medical advice, and outcomes differ between individuals and insurers.
Insurer reviews and comparisons
Reviews and comparisons describe publicly available information at the time of writing. We encourage readers to confirm current details directly with the insurer. We may receive compensation from insurers when a policy is purchased through us, as described in our Disclaimer & Disclosures.
Corrections
If you believe something on this Site is inaccurate or out of date, please tell us. We review reports and correct errors, and we note significant corrections on the article.
Contact the editorial team
Future Proof Life Insurance
Detroit, MI
Phone: (313) 622-4409
Email: jmitchl2@gmail.com