Life Insurance

How Much Life Insurance Do You Need

The number that matters is not a round figure someone suggested at a seminar. It is what it would take for your household to keep paying the mortgage, keep the lights on and keep the kids on track if your income stopped tomorrow.

We start from a common baseline — roughly 10 to 15 times your annual income — then adjust it for your real life:

• Income replacement for the years your family depends on it
• Mortgage balance and other debts
• Childcare, tuition and future education costs
• Final expenses and outstanding medical bills
• Minus coverage you already have through work
• Minus savings and investments your family could use

Term or Permanent: How to Choose

Term life is the cheapest way to cover a set number of years, and it protects your income during the years your family is most exposed. Permanent coverage — whole life or indexed universal life — lasts your entire life, never expires, and builds cash value along the way.

Most families start with term and add permanent coverage as their budget allows, often converting part of a term policy later without a new medical exam. There is no single correct answer, and anyone who tells you there is has something to sell.

Who We Help

Parents protecting a household income while children are young. Homeowners who do not want a mortgage to become someone else's problem. Self-employed workers and business owners with no group life benefit and no HR department. And clients in their sixties and seventies who want final expenses handled so their children are not passing a collection plate.

No-Exam Approval Options

Many term, whole life and final expense policies are approved on health questions alone — no blood draw, no physical, no waiting weeks for a paramedical appointment. Larger coverage amounts usually do require an exam.

We tell you which path applies to you before you apply, so there are no surprises and no wasted applications.

How the Process Works

Five steps, and you can stop at any one of them.

• A conversation about what you are protecting
• An honest coverage number, not a sales target
• Side-by-side quotes from the carriers that fit
• Application and underwriting, with us handling the follow-up
• A policy review whenever your life changes