Life Insurance
Life changes fast. We’ll help you protect the people who count on you with coverage that fits your goals and budget.
From simple term policies to permanent life with cash value, we’ll explain the trade-offs and make it easy to choose.
What We Help You With:
TERM LIFE →
Provides affordable coverage for a set period, usually 10 to 30 years, making it ideal for income replacement or covering large debts like a mortgage. If you pass away during the term, your family receives a tax-free death benefit to help maintain financial stability.
WHOLE & UNIVERSAL LIFE →
Offers lifelong protection with the added benefit of building cash value over time. Universal life also provides flexible premium and benefit options, giving you more control over your policy.
FINAL EXPENSE →
Designed to cover end-of-life costs such as funeral expenses, medical bills, or small debts. These smaller policies ease the financial burden on loved ones during a difficult time.
RIDERS →
Customize your policy with add-ons like living benefits, a child rider, or a waiver of premium. Riders allow you to tailor your coverage for more protection and peace of mind.
NEEDS ANALYSIS →
We’ll help identify the right amount and type of coverage based on your family’s financial goals. Our quick, friendly review ensures you don’t pay for more than you need—or risk being underinsured.
Life Insurance FAQ
How much coverage do I need?
A common rule is 10–12× annual income, but we tailor to debts, kids’ ages, and goals.
Is a medical exam required?
Not always. Some carriers offer simplified issue depending on age/amount.
Term vs. whole—what’s the difference?
Term is temporary and low-cost; whole is lifelong with cash value. Many families start with term.
Can I layer policies?
Yes—stacking different terms can match changing needs and control cost.
Will rates go up?
Term rates are level for the chosen term; permanent policies vary by design.