Life Insurance

Life & Health

Enough coverage, of the right kind, at the right price.

Life insurance gets sold badly. People end up with a policy too small to cover a mortgage, or an expensive permanent policy they never needed. We start with what would actually have to be paid.

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The Basics

Start with the obligation, not the product.

The useful question is what would still need paying if you were gone tomorrow: the mortgage, the years of income your household depends on, college, final expenses, and any business debt you have personally guaranteed. That total is your coverage need.

Only then does the product question matter. Term insurance covers a defined period at the lowest cost per dollar of coverage, which suits most people with a mortgage and children at home. Permanent insurance has real uses, but it is the right answer less often than it is sold.

Term life, priced across multiple carriers
Whole and universal life where there is a reason for it
Final expense coverage for smaller, simpler needs
Key person and buy-sell coverage for business owners

Review After

• Buying a home or refinancing
• A new child or grandchild
• Marriage or divorce
• Starting or selling a business
• Leaving an employer’s group life plan

Your Options

Types of life insurance we write

Term Life

Coverage for a set period, usually 10 to 30 years, at the lowest cost per dollar.

Whole Life

Permanent coverage with a guaranteed death benefit and cash value that builds.

Universal Life

Permanent coverage with flexible premiums and adjustable death benefit.

Final Expense

Smaller policies covering funeral and burial costs, with simplified underwriting.

Key Person

Protects a business against the loss of an owner or essential employee.

Buy-Sell Funding

Funds a partnership agreement so surviving owners can buy out an estate.

Common Questions

Life Insurance FAQs

How much coverage do I need?

Add the mortgage, other debts, the years of income your household would need to replace, and any education costs, then subtract existing savings and coverage. That gives a real number rather than a rule of thumb.

Isn’t my coverage at work enough?

Group life is usually a multiple of salary and rarely covers a mortgage plus income replacement. It also ends when the job does, often at an age when replacing it is far more expensive.

Term or permanent?

Term suits most people with a defined obligation like a mortgage and children at home. Permanent has real uses in estate planning and business succession. Anyone recommending one without asking about the other is selling, not advising.

Do I have to take a medical exam?

Not always. Many carriers now offer accelerated underwriting with no exam for healthy applicants within certain age and coverage limits.

Let’s work out the real number.

No quotas, no pressure. Just a straight conversation about what your household would need.

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