How much life insurance do I need?
There isn’t one amount that works for everyone. Income, debt, mortgage obligations, children, existing assets, business interests, and long-term financial goals can all affect how much coverage you may want to consider.
Should I buy term or permanent life insurance?
It depends on the purpose of the coverage. Term insurance is commonly used for needs that exist for a specific period of time, while permanent life insurance can be used when the need for coverage is expected to continue throughout your lifetime. In some situations, a combination of both may be appropriate.
Can I get life insurance without a medical exam?
Possibly. Many carriers offer accelerated underwriting, and some offer instant or near-instant decisions for qualified applicants. Eligibility varies based on factors such as age, health history, coverage amount, and the carrier.
Can I get life insurance if I have a health condition?
In many cases, yes. Each insurance company has its own underwriting guidelines, so one carrier may view a particular health condition differently than another.
Do you offer life insurance for businesses?
Yes. We work with business owners on key person coverage, buy-sell funding, succession planning, ownership protection, and other business-related life insurance needs.
Questions About Life Insurance?
You don’t need to know exactly which company, policy type, or coverage amount you’re looking for before reaching out.
If you’re not sure where to start, we’re happy to talk through what you’re considering, answer questions, and show you the options available.
