Life Insurance
Protect the income your family relies on. We compare carriers to find the right coverage for them.
Our commitment
Committed to doing insurance right, and doing it fast. Our vision: every property and project properly covered in minutes, with every rule followed.
Eight brokers, one team
Our eight brokers work together as one Menlo team, so you can reach a person who understands your account.
Independent brokerage
We hold appointments with multiple carriers, so the quote is shopped rather than served from one shelf.
What this policy can cover
Income replacement
A tax-free payment to the people who depend on your earnings if you die during the term.
The mortgage and debts
Enough to keep the house and clear what you owe, so grief does not come with a forced move.
Children's future costs
Childcare and education, the expenses that continue for years.
Final expenses
Funeral costs and the bills that arrive at the worst time.
The moments people buy it
- New parents
- Homebuyers signing a 30-year mortgage
- Single-income households
- Business owners with family depending on the business
Questions we get asked
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.
Does this policy cover death after the term ends?
Term insurance covers a set period, like 20 or 30 years. Outliving it means no payout, which is the point: it is protection, not investment.
Does this policy cover misstatements on the application?
Material misrepresentation can void a policy. Honest answers protect your family's claim.
Does this policy cover suicide in the first two years?
Policies carry a standard exclusion period, usually two years, after which it is covered.
Does this policy cover some risky activities?
Certain aviation, occupational, or hazardous-activity exposures can be excluded or rated. We will flag anything relevant before you apply.
Can you write this where I live?
We offer coverage in the states where we are licensed. Begin a quote with the address of your business or risk, and we'll let you know which markets can write that location before you spend much time on the questions.
What happens after I start a quote?
Tell us about the coverage you need and complete the application. We use those details to approach suitable markets and may ask follow-up questions. Requesting a quote does not put coverage in force.
Start your quote online.
Fill in one short form or call us. No broker fees.