Life insurance sized to what you'd leave behind
A life policy replaces the income your family relies on and pays off what you'd rather not leave them: a mortgage, a car loan, a final bill. We work out the amount first, then the type.
Term life
Coverage for a set period, commonly 10, 20 or 30 years, at the lowest cost per dollar of coverage. It's a common fit for parents of young children and anyone carrying a mortgage.
Whole life
Permanent coverage with a level premium and a cash value that builds over time. It costs more than term for the same death benefit, and suits people who want coverage that never runs out.
Final expense
Smaller whole life policies, often with simplified health questions, meant to cover funeral costs and final bills so your family doesn't have to.
How much coverage you might need
A starting point many families use: add the mortgage balance, other debts, the years of income your family would need replaced, and future costs such as college. Subtract savings and any coverage you already have through work. We go through the numbers with you before we talk about policy types.
What the application involves
Expect questions about your health, medications and habits. Some policies also need a short paramedical exam at home or at work. Tobacco use and health history affect the price, and accurate answers keep the policy valid when your family needs it.
Ready to compare plans?
Send us a few details about the people you want to cover. It takes about two minutes, and we call you back to walk through the options.