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Clarity Before Coverage
Understanding your coverage options should come before choosing one.
We believe people deserve more than a price and a list of policy options. You deserve to understand what you're considering, why one option might be better for you than another, and what your coverage actually does.
That's why we take the time to explain your options clearly, answer your questions, and help you make an informed decision without rushing you through the process. We offer year-round support via call, text, email, or in-person.
Your coverage matters.
Taking the time to understand it matters, too.
Coverage Options
Term Life Insurance
Coverage for a specific period of time, usually from $25,000 to $1 million or more, with terms typically available for 10, 15, 20, 25, or 30 years, chosen to help protect income, family responsibilities, mortgages, and other financial obligations.
Whole Life
Insurance
Permanent life insurance designed to provide lifelong coverage, usually to age 120, typically available from $10,000 to $1 million or more, with cash value that can build over time.
Final Expense Insurance
Coverage typically ranges from $5,000 to $50,000 and is designed to help cover funeral, burial, cremation, and other final expenses, so your loved ones aren't left carrying the cost. As a form of permanent life insurance, it can also build cash value over time.
Guaranteed Acceptance
Coverage typically ranges from $5,000 to $25,000. This type of permanent life insurance does not require a medical exam and does not ask any health questions for acceptance and can build cash value over time. Because acceptance is guaranteed, these policies often have a 1 to 2 year waiting period for natural death.
Universal Life Insurance
Flexible coverage with adjustable premiums and death benefit options, designed to provide lifelong protection while allowing you to adapt your coverage as your financial needs change.
Accidental Death & Dismemberment Insurance
Coverage typically ranges from $25,000 to $500,000 and is designed to provide a financial benefit if a covered accident results in accidental death or certain serious injuries, such as the loss of a limb or eyesight. It can provide an additional layer of financial protection for you and your loved ones when the unexpected happens.
FAQ
How much life insurance do I need?
The right amount depends on your income, financial obligations, family responsibilities, debts, and the goals you want your coverage to accomplish. The term length depends on how many years you want those financial needs protected for your loved ones.
How much does life insurance cost?
The cost depends on your gender, age, smoker or non-smoker status, health, prescriptions, coverage amount, type of policy, and any other underwriting factors such as a risky hobbies and certain high-risk occupations. Two people can need the same amount of coverage and receive very different premiums.
Can I get life insurance if I have health problems?
Yes. Having a health condition does not automatically mean you cannot get life insurance. Different carriers have different underwriting guidelines, and one carrier may accept a condition that another will not. The key is identifying the right carrier before submitting an application, because a decline may affect how other carriers evaluate you.
What is the difference between term life and whole life insurance?
Term life insurance provides coverage for a specific period, such as 10, 15, 20, 25, or 30 years. Whole life insurance is permanent coverage designed to last for life and can build cash value over time.
Can I get life insurance if I have been denied before?
Possibly. A previous denial from one insurance company does not necessarily mean every carrier will decline you. Insurance companies have different underwriting guidelines, which is why finding the right carrier matters.
Do I need life insurance if I don't have children?
Not necessarily, but children aren't the only reason people purchase life insurance. Coverage can help with final expenses, debts, mortgages, income replacement, business obligations, or leaving money to someone you care about.
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