Your life matters, so why isn't it covered yet?

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Your life insurance can help cover some of life's biggest expenses if you pass away while the policy is in force. For instance, policy proceeds are often used for mortgage payments, debts, tuition, and everyday expenses. Ultimately, it's up to your beneficiaries to decide how to use the payout. Proceeds are paid in a lump sum and are generally tax-free.

That's great! But...employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is great! BUT if your employer is paying the premium and you leave your job, that coverage usually ends. You don't actually own the policy in that case  and there is too much wiggle room for companies not to pay out a work policy. A common rule of thumb is to have 10X your salary in life insurance protection, which is why many people buy individual term policies to supplement their coverage through work.

First I need to ask you individualized questions that will help you get the number that YOU are looking for without taking food off your table. If you have the need, I will advise you.

An  easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your liabilities from your assets. The remainder is the gap that life insurance needs to fill. We can go over that together.

Term life insurance uses premiums to cover you for the determined "term" of the policy. Coverage expires if there is no claim within that time frame. Term life can be a good match for someone seeking affordable coverage to replace lost income over a critical period, such as while raising children or paying off a mortgage.

Whole life insurance lasts your entire life if premiums remain current. Whole life policies also have the potential to accrue cash value, depending on the policy. For these reasons, whole life insurance premiums are typically higher than term premiums for the same coverage amount.