Your coverage depends on factors such as age, debt, monthly expenses, and family size. A good rule of thumb is to aim for 10–15 times your annual income.  Schedule a time to speak with us for personalized quotes.

Our process is designed to be simple, transparent, and supportive, guiding you every step of the way:

• Personal consultation – We begin by assessing your financial goals, needs, and priorities.
• Shopping for solutions – With access to top-rated carriers, we compare options to find the best fit for your lifestyle and budget.
• Review & selection – We meet again to review the options together, and you will choose the plan that feels right for you.
• Application guidance – Once selected, we walk you through the application process step by step.
• Policy issuance – After approval, your policy is purchased and officially in place.
• Discovery call – Next up, a quick 10-minute chat with our team will help uncover additional financial opportunities, from debt protection to retirement account rollovers and beyond.
• Ongoing support – As a courtesy, we check in annually (or more often if you prefer) to reassess your needs. You are never on your own—if questions arise, we are just a call away and always respond within 24 hours.

Not necessarily! Life insurance can be surprisingly affordable. For example, a healthy 30-year-old male could get a 10-year term policy with $250,000 coverage for under $15/month. We shop the market for you, finding the best rates and keeping everything clear and upfront.

Yes! Several of our carriers under $100,000 only require an application. Some instant-issue policies for ages 18–55 allow coverage up to $500,000 without a paramedical exam.

Even if no one depends on your income, a policy covers debts and funeral costs. Plus, younger, healthier applicants enjoy lower rates and can lock in affordable coverage for the future.

Employer life insurance is helpful, but it often is not enough — and it may not follow you when you leave. A personal policy gives lasting peace of mind.

Absolutely. Stay-at-home parents provide immense financial value by managing childcare, meals, and household responsibilities. Life insurance helps cover these costs if you are no longer there.

Term covers you for a set period, often at a lower cost, while permanent insurance lasts your whole life and builds cash value you can borrow against.

Yes! Activities like rock climbing or skydiving may increase your premiums, but you can still get coverage. We may ask a few questions about your hobby first.

Never. Always answer truthfully. Misrepresenting information can lead to denied claims or canceled coverage.

GoFundMe and similar sites can be hit or miss — and rarely cover everything. Life insurance gives your family guaranteed support for final expenses and more.

A beneficiary is the person or entity who receives your policy’s payout. This can include family, friends, charities, or organizations. Consider who will use the benefit and how. Spouses or trusted family members are common choices, while grown children or charities are also options.

Yes! Life insurance can cover funeral costs, debts, or leave a financial legacy, making it valuable for anyone regardless of parental status.