Life Insurance

Independent broker. Compare term and permanent options side-by-side—pay only for what you need.

🛡️Family protection 💵Budget-aligned 🔄Convertible options
📘 How we help

As your independent broker, we shop multiple carriers to align benefit amounts, term lengths, riders, and price with your goals—mortgage protection, income replacement, or legacy planning.

🎯 Right-sizing the benefit
  • Common targets: 10–15× annual income, or mortgage + debts + education.
  • Balance premium vs. coverage using term length and riders.
  • We’ll model a few scenarios and show the trade-offs clearly.
⏳ Term life (most affordable)

Fixed coverage for a set period (10–40 years). Ideal for protecting income and debts during high-need years. We’ll compare carriers for the same term/benefit so price is apples-to-apples.

  • Level premiums; coverage ends or converts.
  • Optional riders: waiver of premium, child rider, accelerated death benefit.
  • Medical or simplified underwriting depending on amount/age.
🔄 Convertibility

Many terms allow conversion to permanent without a new exam—handy if health changes later.

🌱 Cash value basics

Permanent options can build cash value you can access. We’ll review pros/cons and fees before recommending.

🏛️ Permanent life (whole, IUL, etc.)

Lifelong coverage with potential cash value accumulation. Useful for estate needs, special needs planning, or long-term legacy goals.

  • Whole life: guarantees + fixed crediting.
  • IUL/UL: flexible premiums; interest tied to an index (subject to caps/floors).
  • We compare carrier strength, costs, and illustrated outcomes.
📄 Do I need a medical exam?

It depends on age, amount, and carrier. Many offer accelerated or simplified underwriting up to certain limits.

💰 How much coverage should I buy?

We’ll model a few coverage amounts and term lengths based on your budget, debts, dependents, and goals.

🧾 What riders make sense?

Common riders include waiver of premium, child rider, living benefits, and accidental death. We’ll suggest only what you’ll actually use.

Ready for a side-by-side life quote?

Share basics (age, health, goals). We’ll compare multiple carriers and show clear options.

Discuss life insurance