Life insurance is a contract between you and an insurance company. You pay a monthly premium, and in return, your family receives a tax-free cash payout (called a death benefit) if you pass away. It helps cover expenses like funeral costs, bills, or income replacement.

A simple rule of thumb is 10–15 times your annual income, but it depends on your goals. Consider debts, income replacement, kids’ education, and final expenses. We can help you find the right amount for your situation.

• Term Life: Covers you for a set period (like 10, 20, or 30 years) and is usually the most affordable.

• Whole Life or IUL: Lasts your entire life and can build cash value you can use later.

With most plans — including level term policies — your rates stay the same for the entire term. No surprises or increases down the road.

Many policies offer no medical exam options, especially for healthy applicants or smaller coverage amounts. You can often get approved with just a few health questions.

Some policies can begin as soon as the same day once your application is approved — especially final expense or simplified issue policies.

You choose a beneficiary (usually a family member or loved one). They receive the payout directly and tax-free, helping them handle bills and expenses.

When your term ends, you can often renew, convert, or get a new policy. Some people switch to a permanent policy before their term expires.

It’s a small whole life policy designed to cover funeral and burial costs, medical bills, or other final expenses. It’s affordable and easy to qualify for — ideal for seniors.

Because rates are based on age and health, the younger and healthier you are, the lower your rate. Locking in coverage today can save you money and give your loved ones peace of mind.