Term Life Insurance
Term life gives you a set amount of coverage for a set number of years — 10, 20 or 30 — at some of the most affordable prices in insurance. It's an ideal fit if you want to protect a mortgage, replace an income, or fund a child's education for a defined period.
| Term Life | Whole Life | Final Expense | |
|---|---|---|---|
| Coverage period | Fixed term (10–30 yrs) | Lifetime | Lifetime |
| Premiums | Lowest monthly cost | Higher, but build cash value | Low, fixed |
| Cash value | None | Accumulates over time | Grows slowly / helps fund costs |
| Best for | Income protection | Permanent security | End-of-life costs & burial |
Whole & Permanent Life
Whole life covers you for your entire lifetime and builds cash value you can borrow against later. Universal and indexed options add flexibility on premiums and growth. These plans suit people who want lifelong peace of mind with a savings component attached to their policy.
Final Expense Insurance
Sometimes called burial insurance, final expense is a small whole-life policy designed to cover funeral costs, medical bills and small debts — sparing your loved ones from paying out of pocket during a difficult time. Applying is simple, and many plans offer guaranteed acceptance options.
How much do you actually need?
A good rule of thumb: aim for 10–15 times your annual income, then subtract any savings or existing coverage. But the "right" number depends on your debts, dependents and goals. We'll walk you through a simple worksheet so the number feels like yours — not a sales pitch.
Keeping your beneficiaries current
Life changes — marriages, births, business milestones. We'll remind you to review your beneficiaries and coverage amount at least once a year, free of charge. It's a five-minute conversation that can save your family real hardship later.