LIFE INSURANCE
Protecting the people who count on you.
Life insurance can help your family cover the bills, the mortgage, and the future if something happens to you. We shop our carriers and explain your options in plain English.
WHAT IT TYPICALLY COVERS
The basics, explained.
Term Life to 95
Affordable coverage that can be continued to age 95, with the option to convert to permanent coverage later.
Transitional Life
Starts like term coverage, builds cash value, and becomes a paid-up policy that lasts your lifetime.
Preferred Whole Life
Lifetime coverage designed with level premiums and benefits, plus cash value that grows over time. Pay over time or with a single premium.
Simplified & Graded Whole Life
Whole life with no medical exam. Approval is based on a few health questions, and the graded option limits the benefit in the first two years.
Universal Life
Flexible permanent coverage with cash value and a guaranteed death benefit.
Coverage descriptions are general. Actual coverage depends on your policy and carrier.
WHAT PEOPLE OFTEN MISS
Worth asking
about before you
need it
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Work coverage may not be enough.
Employer life insurance is a good start, but it’s often limited and may not follow you if you change jobs.
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Your beneficiaries.
Review them after a marriage, divorce, birth, or loss. The form on file is who gets paid.
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Starting earlier often costs less.
Premiums typically depend on your age and health at the time you apply.
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COMMON QUESTIONS
Good to know
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How much life insurance do I need?
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It depends on your family, debts, income, and goals. We’ll walk through the numbers with you rather than guess.
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Term or permanent?
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Term coverage is often more affordable and can be continued to age 95, with the option to convert to permanent coverage. Permanent coverage lasts your lifetime and can build cash value. We’ll explain how they differ for your situation.
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Do I need a medical exam?
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Some policies require one. Simplified and graded whole life options use a short list of health questions instead. What’s available depends on your age, health, and the policy.
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Ready to talk about your family's future?