Life
Sized to what your family actually owes.
The useful question isn’t “how much life insurance should I have.” It’s what would still have to be paid if your income stopped — the mortgage, the years of childcare, the tuition.
Term, for the years that matter
Level term covering the mortgage and the years until the kids are grown handles most families, and costs the least.
Permanent, when there’s a reason
Estate planning, a special-needs dependent, or a business buy-sell agreement are real reasons. Wanting a savings account is usually not.
Underwriting varies wildly
Carriers treat health history very differently. The one that declined your neighbor may be the one that writes you.
Business coverage too
Key person and buy-sell funding are life policies with a commercial purpose — ask if you own part of a company.
Questions we get
Common questions about life insurance
Term or permanent?
For most people, term. It covers the window where your income is load-bearing, at a fraction of the cost. Permanent coverage solves narrower problems and should be bought for one of them.
How much do I need?
Add the mortgage balance, other debt, and the income your family would need replaced for the years it matters. That number beats any multiple-of-salary rule of thumb.
Do I need a medical exam?
Not always. Several carriers write meaningful coverage with no exam, based on prescription and claims history. It depends on age and amount.
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