How much life insurance do I need?

It depends on your income, debt, dependents, and long-term goals. We help you calculate a coverage amount that’s practical and protective.

Is term life cheaper than permanent?

Yes. Term life policies are more affordable, especially for young and healthy applicants.

Often, yes. Many term life policies allow you to convert without a new medical exam.

Some policies require one, others don’t. We’ll walk you through options that fit your preferences.

Term rates are fixed during the term. Permanent policies have consistent or adjustable rates depending on type.

Death Benefit
Provides a lump-sum payment to your beneficiaries if you pass away while the policy is active.
Income Replacement
Helps replace your lost income so your family can continue paying bills, mortgage, and expenses.
Debt & Loan Protection
Covers remaining mortgage, personal loans, or credit balances, so your family isn’t left with the burden.
Final Expense Coverage
Helps with funeral costs, burial services, and related end-of-life expenses.
Legacy or Charitable Giving
Leave behind a gift to children, grandchildren, or a cause you care about.

How much life insurance do I need?
It depends on your income, debt, dependents, and long-term goals. We help you calculate a coverage amount that’s practical and protective.
Is term life cheaper than permanent?
Yes. Term life policies are more affordable, especially for young and healthy applicants.
Can I convert term to permanent later?
Often, yes. Many term life policies allow you to convert without a new medical exam.
Do I need a medical exam?
Some policies require one, others don’t. We’ll walk you through options that fit your preferences.
Will rates change over time?
Term rates are fixed during the term. Permanent policies have consistent or adjustable rates depending on type.