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Life insurance replaces your income and covers your family's obligations — the mortgage, debts, education, and final expenses — if you're no longer there. Because we're independent, we compare term, whole, and universal life from multiple carriers to fit your budget and goals, and we help you right-size the coverage instead of overselling it.
A common rule is 10–15x your annual income, adjusted for your mortgage, debts, and children's education.
Term is lower cost and covers a set period, such as 20–30 years. Whole and universal last your lifetime and build cash value. The right choice depends on your goals and budget.
Many policies still require one, but a growing number of carriers offer simplified or no-exam underwriting for qualifying applicants.