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What is
Life Insurance?
Planning today to protect tomorrow
Life insurance has been used for hundreds of years to protect loved ones and provide peace of mind. See how easy it can be.
What's the Right Life Insurance Policy for me?
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Choosing the right policy can feel overwhelming. Knowing the different types of coverage can help you understand what is the right option for you.
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When you’re ready to choose we can help make an informed decision. It may be a surprise what you can qualify for and how affordable it can be. Get an estimate for yourself.
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Any Questions? We have the answers. Connect with one of our specialists today.
Policy Breakdown
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Do I need Whole Life or Term Coverage?
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Whole life is your standard life insurance product, but also so much more. Not only is it a way to protect your family, but it can also help to create and generate wealth.
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Guaranteed Benefit
Whole life always pays out as long as you pay your premiums. Protection lasts a lifetime. -
Long Term Coverage
Since whole life is permanent insurance it is literally designed to last you your whole life. As long as premiums are paid you never have to renew or reapply for coverage. You cannot outlive this type of policy. -
Cash Value
Whole life insurance builds cash value that grows over time. Cash value can be accessed when needed. It grows tax deferred inside the policy allowing you to make the most of your savings. -
Taxes
Beneficiaries of the policy pay out do not typically have to pay any income taxes of the death benefit. The tax deferred growth of your cash value can also typically be accessed income tax free. -
Level Premium
Premiums are set in stone at the time of purchase. They will not go up as you age or due to declining health.
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Many families use term life insurance as temporary coverage that fits a budget better compared to whole life options.
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Guaranteed Benefit
Term life always pays out during the life of the policy. As long as you pay your premiums the coverage will remain in place for a set duration for time. -
More For Your Budget
With term coverage, you can afford more coverage than you could with long term options. The death benefits are higher, but for a shorter period of coverage. -
Coverage Wherever You Are
Unlike a policy you may receive from your workplace, term life insurance moves with you regardless of location or employment. -
Coverage When You Need It
You can choose how long you need the coverage for whether its 10, 20, or even 30 years. The choice is completely up to you and your needs. -
Taxes
Beneficiaries receive a guaranteed death benefit, that is typically paid income tax free.
What Is Term Layering?
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Term Layering is a concept in which you take 2 or more Life Insurance Policies with different Benefit Amounts and Different Term Lengths in order to get as close to your ideal need for coverage. Most people believe they are limited to just 10, 15, 20, or 30 year term lengths and they try to get all their coverage in one policy.
This may be the most expensive way to buy coverage! The reality is that you likely need more coverage early on, and less coverage in your later years. Instead of buying one 20 year term, you may be better off with part of your coverage in 10 year year term, another part in 20 year term and still another in a 30 year or lifetime coverage. Usually, Term Layering either lowers your cost or meets your needs better than a single policy. Ask a specialist how this may work for you!
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Find the right policy for you
All types of life insurance has come so far over time. And these days there are so many choices. The good thing is with so many choices it’s easier to fit the individuals needs and goals. We want to help find the policy that is the right fit for you and your family. With over 20 companies we partner with, we'll find you the right policy!
Talk to a professional
Of course you can explore your options on your own, but you don’t have to. Let us guide you in selecting the ideal insurance policy for your needs. With our expertise, we'll help you navigate the options and find coverage that aligns perfectly with your financial goals and family's well-being. Making this important decision doesn't have to be overwhelming – we're here to provide clarity and support every step of the way.
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Don't want to talk to anyone? We get it...
Check out our self service carrier, Ethos. You can simply explore term and whole life options and apply completely on your own.
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