Income replacement
Years of your earnings, paid tax-free to the people who depend on them.
Life Insurance
If your income disappeared, the mortgage and the grocery bill would not. Life insurance replaces what you provide, and for most families the honest answer is affordable term coverage.
What the payout actually protects
A death benefit is not abstract. It is the mortgage payment, childcare, and time for a family to grieve without financial panic.
The house
Enough to keep the mortgage paid so a loss does not force a move.
The kids
Childcare and education costs that continue for years.
The moments people buy it
- New parents
- Homebuyers signing a 30-year mortgage
- Single-income households
- Business owners with family depending on the business
What this covers, and what it does not
Typically covered
- Income replacementA tax-free payment to the people who depend on your earnings if you die during the term.
- The mortgage and debtsEnough to keep the house and clear what you owe, so grief does not come with a forced move.
- Children's future costsChildcare and education, the expenses that continue for years.
- Final expensesFuneral costs and the bills that arrive at the worst time.
Not covered here
- Death after the term endsTerm insurance covers a set period, like 20 or 30 years. Outliving it means no payout, which is the point: it is protection, not investment.
- Misstatements on the applicationMaterial misrepresentation can void a policy. Honest answers protect your family's claim.
- Suicide in the first two yearsPolicies carry a standard exclusion period, usually two years, after which it is covered.
- Some risky activitiesCertain aviation, occupational, or hazardous-activity exposures can be excluded or rated. We will flag anything relevant before you apply.
Frequently asked questions
How much life insurance do I need?
A common starting point is ten to fifteen times your annual income, adjusted for your mortgage, debts, number of children, and what your family would actually need to stay in place. We work through that with you rather than defaulting to a round number.
Term or whole life?
For most families the honest answer is term: far more coverage per dollar during the years people depend on you. Permanent insurance has real uses, mostly around estate planning and lifelong dependents. We will tell you plainly which situation you are in.
Do I need a medical exam?
Many policies today offer accelerated underwriting with no exam for qualified applicants, depending on age, coverage amount, and health history. Where an exam gets you a meaningfully better rate, we will say so.
Is the payout taxed?
Life insurance death benefits are generally income-tax-free to beneficiaries. Large estates can involve estate tax questions, which belong with your tax advisor. We coordinate with them when it matters.
I have coverage through work. Is that enough?
Group coverage is a good start but is often one or two times salary and usually ends when the job does. A personal policy is yours regardless of employer, and rates are typically best while you are young and healthy.
Coverages that pair with this
Find out what coverage your family actually needs
Ten minutes of questions about income, debts, and kids. We size the coverage and compare carriers from there.