The shapes life insurance comes in
Term, permanent, and the details that decide which one fits — coverage type matters as much as the amount.
Term Life
Coverage for a set period — 10, 20, or 30 years — at the lowest cost per dollar of coverage. Right for most income-replacement needs.
Whole Life
Permanent coverage that builds cash value over time, at a materially higher premium than term.
Universal Life
Permanent coverage with flexible premiums and a cash value component tied to policy performance.
Beneficiary Designations
Who gets paid and how — matters as much as the coverage amount, and it's the part most policies get wrong.
The number is math, not a guess
A common rule of thumb is 10x income, but that ignores debt, dependents, and how long a spouse would need support. We size coverage from your actual numbers instead.
How a life quote goes
We size the coverage
A short conversation about income, debt, and dependents to land on a real number instead of a round one.
We compare carriers
Term and permanent options from multiple carriers at the same coverage amount, so premiums are comparable.
You apply, we track it
Applications can include underwriting — a medical exam or records request. We stay on it until the policy is issued.
Brian is incredibly knowledgeable and made the entire process straightforward. He found us the right coverage and answered every question with patience and clarity.”
Placeholder quote — this space is reserved for a client review Brian supplies. It runs to roughly the length a real one would, so the two columns balance.”
Life insurance questions
How much life insurance do I actually need?
Enough to replace your income for as long as your family would depend on it, plus outstanding debt. We'll run the number with you rather than hand you a multiple of salary.
Is term or whole life better?
Term is cheaper and fits most income-replacement needs. Whole life makes sense for permanent needs or as a savings vehicle — it depends on the goal, not which is better.
Does my employer's life insurance travel with me?
Usually not. Group coverage through work typically ends when the job does, which is the most common reason people end up underinsured.
Will I need a medical exam?
Often, depending on age and coverage amount. Some policies now offer accelerated underwriting without one.
Can I change beneficiaries later?
Yes, at any time, at no cost. It's worth reviewing after any major life change — marriage, divorce, a new child.
Bring your current policy and we will read it with you
No obligation, and no pressure to switch if what you have is already right.