Life Insurance

Life Insurance: choose the cost-effective coverage you need

A financial safety net

Find the coverage that meets your needs and fits your budget.

You know what it takes to provide and care for your family., and, you understand both the immediate and the ongoing expenses that would have to be met if you suddenly weren’t there. What you may not know is how simple it can be to purchase life insurance coverage so that, should the unexpected happen, the financial resources your family needs will be there.

01. Complete a Life Insurance Needs Analysis.

Tell us a little bit about your needs & medical history to calculate the right amount of protection.

02. Review Quotes From Several Trusted Carriers

Review the different types of term and permanent  insurance plans. Choose from hundreds of carriers.

03. Complete an Application

You may or may not be required to complete a medical exam. We will assist you in completing an application.

04. Review Your Policy Annually

It is critical to review your  needs annually. Making sure no changes require adjustments to your plan.

Get the right amount of death benefit.

How much coverage do you need?

Add up the following items to calculate your financial obligations:

  • Your annual salary multiplied by the number of years you want to replace that income.
  • Your mortgage balance.
  • Any other debts.
  • Any future needs such as college fees and funeral costs.
  • The cost to replace services that a stay-at-home parent provides, such as child care, if applicable.

Already have life insurance?

Great! We recommend a quick review of your policies. 

  • Review Beneficiaries.
  • Check amounts.
  • Check the types.
  • Do you have too much or too little?
  • When was the last time you reviewed your coverage?