Life Insurance & Protection
Financial protection for those who depend on you. We help families understand and obtain the life insurance coverage that gives peace of mind.
Term or whole life
10 to 12x income rule
Cheaper when younger
Financial protection for those who depend on you. We help families understand and obtain the life insurance coverage that gives peace of mind.
Term life covers you for a set window, often 10, 20, or 30 years, and costs a fraction of permanent coverage. Whole life lasts your entire life and builds cash value, but premiums are much higher. For most working families protecting income during mortgage and child-raising years, term coverage delivers the most protection per dollar.
A common starting point is 10 to 12 times your annual income, adjusted for your mortgage balance, debts, future education costs, and what your family would need to stay on their feet. We walk through those numbers with you rather than guessing.
Life insurance is priced on age and health at the time you apply. Locking in a rate in your 30s or 40s, while healthy, can mean paying half of what the same coverage costs a decade later.
Let our team find the right coverage for your situation. Professional guidance, no pressure.