Life insurance, mapped to your goals
Life insurance is personal. We start with a simple needs analysis, then build a plan around what you want to leave behind, whether that is a paid-off mortgage or college for the kids.
Start with what matters to you
Death benefits can range from covering final expenses to replacing your income for years. We begin with a conversation about your goals for the people you leave behind, then develop an effective plan around them.
- Keep up mortgage payments so your family can stay in the home.
- Fund higher education for your children.
- Pay off debts and cover final expenses.
- Replace your income for as long as your family needs it.
Your plan can be as simple or as long-lasting as you like. We outline the costs of each approach and help you choose with confidence.
Term or whole life?
Term life covers you for a set period, such as 10, 20, or 30 years, and is the most affordable way to buy a large death benefit. Whole life and other permanent policies last your entire life and build cash value over time. Many families combine the two.
Common questions
Which should I choose, term or whole life?
Term life is ideal for covering defined risks. For example, a 30-year mortgage can be covered by a 30-year term policy. You can then add a smaller whole life policy for lifelong needs, since final expenses tend to be lower once you are retired and debts like your home and car are paid off.
How much life insurance do I need?
Enough for your dependents to maintain a similar lifestyle without you. Prioritize children first, planned children second, then the mortgage, your spouse, and even parents you support. The goal is that your family can grieve without struggling to make ends meet. This is commonly called your "need."
I already have life insurance through my employer. Is that enough?
Count your employer benefit toward your total need, then see if there is a gap. Also check whether the policy is portable, meaning you can keep it if you leave your job. If it is not, you may want an individual policy that covers your full need.
Other coverage we place
Find out what better coverage costs.
Tell us what you want to protect. We compare carriers, explain the trade-offs, and come back with clear options.