Protect your family's future with affordable life insurance.
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Life insurance doesn't have to be complicated or expensive. With just a few clicks, you can see exactly what coverage looks like for you—and how affordable protection can be.
I've made it easy to explore your options on your own. Once you've had a chance to look, I'm happy to answer questions and help you decide which type of coverage best fits your goals and budget.
Non-Medical vs. Fully Underwritten
Non-Medical policies usually don't require a medical exam and can be approved quickly. They're convenient but may cost a bit more for the same coverage.
Fully Underwritten policies involve a medical exam and health questions. They take longer to approve but often come with lower premiums if you're in good health.
Term Life vs. Permanent Life
Term Life is designed to cover you for a set number of years (e.g., 10, 20, or 30 years). It's typically the most affordable way to get a large amount of coverage. Great for:
- Covering mortgages and debts
- Replacing income during working years
- Funding children's education
Permanent Life (like whole life or universal life) lasts your entire lifetime and can build cash value you can access later. It costs more but provides lifelong protection and additional benefits.
Trial Applications - Worried You Won't Qualify?
If you're concerned about qualifying for life insurance due to health issues, a trial application might be right for you. This allows you to apply to see if you can be approved without committing to the policy.
Trial applications are particularly useful if you:
- Have pre-existing health conditions
- Take multiple medications
- Want to test your insurability before committing
Why Term Life Insurance?
Affordable Protection
Term life insurance gives you the most coverage for the lowest cost. Perfect for families who need significant protection during their working years.
Simple & Straightforward
No complex investment features or fine print. You pay premiums, and if something happens during the term, your family receives the benefit.
Covers What Matters Most
Mortgage payments, college tuition, daily expenses—term life ensures your family can maintain their lifestyle if you're not there to provide.
Flexibility
Choose the term length that matches your needs: 10, 15, 20, or 30 years. Many policies can be converted to permanent coverage later if needed.
Ready to See Your Quote?
The illustration tool makes it easy. You'll see:
- Monthly premium costs for different coverage amounts
- Non-medical and fully underwritten options
- Term lengths from 10 to 30 years
- Ability to start an application right away
No obligation. No pressure. Just information to help you make the right decision for your family.
Already Have Life Insurance?
When was the last time you reviewed your policy? Life changes, and your insurance should change with it. I offer complimentary policy reviews to ensure your coverage still meets your needs.
Common Questions About Life Insurance
How much life insurance do I need?
A common rule of thumb is 10 times your annual income, but it really depends on your specific situation. Consider:
- Outstanding mortgage and debts
- Income replacement needs for your family
- Future expenses (college tuition, etc.)
- Final expenses (funeral costs, medical bills)
Example: If you earn $75,000/year, have a $300,000 mortgage, and want to fund your kids' college ($100,000), you might consider $750,000 to $1,000,000 in coverage.
What's the difference between term and permanent life insurance?
Term life covers you for a specific period (10-30 years) at a lower cost. Permanent life (whole life, universal life) covers you for your entire life and builds cash value, but costs more. Most families start with term life for affordability.
Do I need a medical exam?
It depends on the policy and coverage amount. Non-medical policies don't require an exam but may cost more. Fully underwritten policies require an exam but often have lower premiums. The exam is usually quick—blood test, urine test, basic health questions.
What if I have health issues?
You may still qualify! Many people with health conditions can get coverage. Consider a trial application to see if you're approved without committing. Some policies are designed specifically for people with pre-existing conditions.
Can I change my policy later?
Many term policies offer conversion options that let you convert to permanent life insurance without a new medical exam. This is valuable if your health changes or your needs evolve.