THE SHORT VERSION
Life insurance in three sentences.
01
Term is the simplest
Term life covers a set period, like 20 or 30 years, and is typically the most affordable way to get a large amount of coverage.
02
Permanent lasts a lifetime
Whole and universal life don’t expire and can build cash value, at a higher cost.
03
Start with the why
Think income replacement, the mortgage, kids’ education and final expenses. We will help you add it up.
Policies we can quote
✓ Term life
Coverage for a set number of years.
✓ Whole life
Lifetime coverage with guaranteed cash value.
✓ Universal life
Lifetime coverage with flexible premiums.
✓ Key person life
Protects a business if a key person passes away.
What affects your price
Age · Health history · Tobacco use · Coverage amount · Term length · Occupation
✓ Disability income
Replaces part of your paycheck if you can’t work.
✓ Long-term care
Helps pay for extended care later in life.
★★★★★
“They know insurance like the back of their hand and always have answers to my random insurance questions. A+, recommended!”
Shane N. · Client · Google review
QUESTIONS WE HEAR A LOT
Life insurance questions
How much life insurance do I need?
It depends on your income, debts and who relies on you. We will walk through it together, with no obligation.
Do I need a medical exam?
Not always. Some policies use health questions and records instead. We will tell you which options fit.
Is life insurance through work enough?
It’s a good start, but it often ends when you leave the job and may not be enough. Many people add a personal policy.
Can you quote disability or long-term care too?
Yes. We quote disability income and long-term care coverage as well.