Life insurance

Life Insurance

Life insurance isn't about you—it's about the people who depend on your income and would struggle financially if you died unexpectedly. Whether you have a spouse, children, aging parents, or business partners who rely on you, life insurance provides the money they need to maintain their lifestyle, pay off debts, cover final expenses, and move forward without financial devastation added to their grief.

Term life insurance provides coverage for a specific period—typically 10, 20, or 30 years—with fixed premiums and a death benefit that pays if you die during the coverage period. This coverage is straightforward and affordable, making it ideal for protecting your family during years when they're most dependent on your income. If you die during the term, your beneficiaries receive the death benefit tax-free to use however they need.

Permanent life insurance including whole life and universal life provides lifetime coverage as long as you pay premiums, and builds cash value you can borrow against or withdraw during your lifetime. These policies cost significantly more than term insurance but provide benefits beyond just the death benefit, including forced savings and potential tax advantages. The right choice depends on your goals, budget, and whether you need temporary protection or permanent coverage.

Determining how much coverage you need involves calculating your family's expenses, existing debts, future obligations like college costs, and how long your income needs to be replaced. Most people need far more coverage than they initially think because they underestimate the financial impact of losing a primary income earner. We help you calculate appropriate coverage amounts, compare term and permanent policies, find carriers offering competitive rates for your age and health status, and ensure your beneficiary designations properly protect the people you care about most without creating unintended tax consequences or estate planning problems.