Products
Coverage, in plain language
No jargon, no fine-print surprises. Start with the fit-finder, or browse every product we place.
1. What are you protecting first?
2. Your stage of life?
3. Which matters more?
Side by side
Term vs. Permanent
| Term Life | Permanent Life | |
|---|---|---|
| Best for | Income protection during working years | Lifelong needs, legacy, and cash value |
| Length | 10–30 years, then it ends | Your whole life, while premiums are paid |
| Cost | Lowest premium per dollar of coverage | Higher premium; part builds cash value |
| Cash value | None | Grows tax-deferred; can be borrowed against |
| Common use | Mortgage years, young families | Estate planning, tax-efficient legacy |
Common questions
Asked at nearly every first meeting
How much life insurance do I actually need?
A common starting point is 10–12× your annual income, plus your mortgage and future education costs, minus liquid savings. Our estimator gives you a range in 30 seconds, then we refine it together against real insurance carrier quotes.
Do I have to take a medical exam?
Not always. Several A-rated insurance companies offer no-exam underwriting for qualifying ages and coverage amounts. We’ll tell you up front which path fits your situation.
What does disability insurance actually cover?
If illness or injury keeps you from working, it replaces a portion of your income, typically 50–70%, so the mortgage, groceries, and medical costs don’t wait for your recovery. Short-term and long-term policies cover different timelines.
How are you paid?
Like most independent agencies, we’re compensated by the insurance carriers when a policy is placed. Our advice costs you nothing, and because we’re independent, no insurance company pays us to favor them.
Can you review coverage I already have?
Yes, and it is often worth doing. Policies bought years ago may no longer match your income, family, or tax picture. A review is free and often the fastest way to find gaps or savings.
How do taxes affect my IRA?
Traditional retirement accounts are taxed as ordinary income when you withdraw, which can quietly take 20–35% of every dollar. Repositioning assets across taxable, tax-deferred, and tax-free strategies can change what you actually keep. See our Education page for the framework.