Ensure your family's wellbeing after you're gone

Term life covers you for a set period (usually 10, 20, or 30 years) at a lower premium — good for income replacement during working years. Whole life lasts your entire lifetime and builds cash value, which you can borrow against. Universal life sits in between and offers more flexibility around premiums and benefits.

A common rule of thumb is 10–12 times your annual income, but the right answer depends on your debts (mortgage, student loans), how many dependents you have, and what lifestyle you want them to maintain. We walk through your full picture in the consultation.

For most people, no. Employer-provided coverage is usually 1–2x your salary and disappears if you change jobs. A personal policy goes with you, locks in your rate at a younger age, and builds cash value if it's a permanent policy.

Most people can. Rates depend on the condition, how well it's managed, and your overall health. We work with carriers that specialize in specific health profiles so you don't get rejected for something another carrier would have accepted.

Simple term policies can be approved in a few days with no medical exam. Larger or more complex policies typically take 2–4 weeks including the medical exam.