Life Insurance

About Life Insurance

Life insurance is an affordable way to protect your family financially in case something happens to you. Life insurance can help with things like paying the mortgage, college tuition, final expenses and more.

Figuring out what life insurance is right for you can seem complicated, but that’s what we’re here for. As a life insurance broker, we have the answers you need to make the right decision for you and your family.  Think of us as a coach, walking you through the process.

There are basically 2 types of life insurance:  Term life and Whole Life

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“Term” life insurance is a life insurance policy that covers you for a term of time.  The most popular terms are 10 years, 15 years, 20 years, and 30 years. The price of your term life insurance policy is locked in for the designated term and doesn’t change until the term is up.  For example, a 25-year-old male could have a $500,000 20-year term life insurance policy and pay $30.00/month. That $30.00/month price is locked in for the whole 20 years. After the 20 years is up, you have the option of keeping the policy at a much higher rate, dropping it and getting a new policy, and some term life policies even have an option of converting it into a permanent policy.  Term life insurance is the cheapest form of life insurance because you are only covered for a term of time.

Whole life insurance, also known as permanent insurance, covers you for your whole life. The price you lock in when you first get your whole life policy is locked in for the rest of your life, thus giving you coverage your whole life. Unlike term life insurance, whole life insurance has a savings feature built into it called “cash value”. Your cash value builds up over time. You can access your cash value by borrowing it or if you decide to cancel the policy, whatever cash value is in the policy is your money.

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Why Choose Us

We work directly with our clients to ensure they get the best insurance policies at the best price points. We believe that insurance does not need to cost you an arm and a leg.

Working with a Life Insurance Broker

We know the ins and outs of the life insurance industry. We shop amongst the highest rated life insurance companies to make sure you get the best coverage, and best price. Everybody’s situation is different and there is no one-size-fits all life insurance policy. Let us walk you through the process so you don’t get taken to the cleaners! We have saved our clients thousands and thousands of dollars over the years because most people just pay too much for their life insurance, it’s that simple!

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With a life insurance policy, your future and that of your loved ones are secure. Let’s talk today and let’s discover what life insurance can do for you.