Life Insurance

What Is Life Insurance?

Life insurance is a financial safety net for your loved ones.
If something happens to you, a life insurance policy ensures your family has the money they need to pay for funeral expenses, mortgages, debts, and daily living costs.

• Pays out a tax-free death benefit to your chosen beneficiary
• Helps replace lost income
• Covers mortgage or rent payments
• Pays off outstanding debts
• Funds education or future family needs

How Does Life Insurance Work?

You pay a monthly premium, and in return, your family receives a lump-sum payout when you pass away.
You choose the coverage amount, the term (length of the policy), and the beneficiary.

There are two main types of life insurance:

• Term Life Insurance – Coverage for a set number of years (typically 10, 20, or 30). Lowest cost.
  
• Permanent Life Insurance – Lifelong coverage with optional cash value (like Whole Life or IUL).

How Much Does Life Insurance Cost?

It’s more affordable than you think.
Rates depend on age, health, lifestyle, and the amount of coverage you choose.

• Healthy 30-year-old? As low as $15/month.
• Family breadwinner? Coverage for $500,000 could cost less than your daily coffee.
• Smokers, older adults, and high-risk jobs may pay more—but still qualify. 

➡️ Get a custom quote today – no obligation, no pressure.

How Much Life Insurance Do You Need?

There’s no one-size-fits-all number — that’s why we offer a personalized Financial Needs Analysis at no cost.

Instead of relying on outdated formulas like “DIME” or random online calculators, our licensed agents take the time to understand your real financial picture, including:

• Your income and future earning potential

• Current and future debts (like mortgage, credit cards, or car loans)

• Family responsibilities (like childcare or aging parents)

• Education planning for children

• Retirement protection for your spouse

• Legacy and estate planning goals

🧠 All of this is done through a free, confidential conversation — not a sales pitch.

➡️ Schedule your Financial Needs Analysis today and know exactly how much coverage is right for you — no more, no less.

What Does Life Insurance Cover?

• Death due to illness or accident
• Final expenses (funeral, burial, medical bills)
• Ongoing household bills
• Children’s education
• Estate taxes and legal costs 

Exclusions may include suicide in the first two years or fraud. We’ll walk you through everything.

Can I Get Life Insurance for My Parents?

Yes. As long as your parents are mentally sound and give consent, you can take out a policy on them.

• Great for covering funeral expenses
• Relieves financial burden on family
• Available up to age 85 in most cases

How Do I Get Life Insurance?

We make it easy 

Step 1: Book a Free Appointment

Speak with a licensed agent for a 1-on-1 consultation to explore your needs.
This call is completely free — you won’t be charged for speaking to an agent.

Step 2: Get a Personalized Financial Needs Analysis

Your agent will help you assess the right amount of coverage based on your income, debts, family goals, and retirement plans. — just personalized advice.

Step 3: Review Your Life Insurance Options

You’ll receive quotes for top-rated policies, including:

• Term Life
• Whole Life
• Indexed Universal Life (IUL)
• Final Expense

Some policies require no medical exam — just a simple health questionnaire. Others may include a basic medical exam, which we help coordinate for you.

Step 4: Apply and Get Approved

Healthy applicants may be approved in 1–3 business days
Applicants with medical history may take 4–8 weeks, depending on records or exams

Who Pays the Agent?

You don’t pay the agent directly.
Every licensed agent is compensated by the insurance company — not you — when you choose a policy. That means:

• 💰 No service fees
• 📋 No hidden charges
• 🔒 No obligation to buy 

Our job is to help you make the best decision — whether you move forward now or later.

How to Find Out If Someone Has Life Insurance?

If a loved one passed and you suspect they had coverage, we can help guide you through:

• National Association of Insurance Commissioners (NAIC) policy locator
  
• Contacting employers, banks, and financial advisors
  
• Reviewing their mail and bank statements

Do I Need Life Insurance for a Mortgage?

If you bought a house or refinanced recently, you may be required (or encouraged) to get life insurance to protect the loan.

• Mortgage protection life insurance pays off your home if you pass
  
• Keeps your family in the home without debt stress

When Is the Best Time to Get Life Insurance?

The younger and healthier you are, the lower your rates.
Even if you’re in your 20s or 30s, this is the best time to lock in low rates before any health conditions develop.

Ready to Get Covered?

✅ Talk to a licensed agent today
☎️ Call: 1-844-472-7702
📅 Book Online: Schedule Your Free Call