Protect the people who count on you

Term life covers you for a set number of years — often 10, 20, or 30 — at a lower cost, which makes it a good fit for protecting your family during your working years and while you're paying off a mortgage. Whole life provides lifelong protection that never expires as long as premiums are paid. Universal life also provides lifelong protection, with more flexibility in how you pay. Our team will help you weigh which one fits your family.

A common starting point is 10 to 12 times your annual income, but the right amount depends on your debts — like your mortgage and any loans — how many people depend on you, and the lifestyle you want them to keep. We'll walk through your full picture together.

For most people, no. Coverage through your employer is usually only one to two times your salary, and it typically ends if you leave the job. A personal policy stays with you, and locking it in while you're younger and healthy usually means a lower rate.

Often, yes. Your rate depends on the condition, how well it's managed, and your overall health. Our team will help you find coverage that fits your situation.

Simpler term policies can sometimes be approved in a few days without a medical exam. Larger or more comprehensive policies usually take a few weeks, including a medical exam.