What Is Life Insurance?
Life insurance is a way to help take care of your family if something happens to you.
Think of it like this:
Life insurance is a promise. You pay a little money over time, and if you pass away, the insurance company gives money to your family to help them.
That money can help pay for:
Food and clothes
The house
School
Bills and other important things
Now let’s look at 4 common types of life insurance, explained in an easy way.
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This one lasts your whole life.
Whole life insurance is like owning a house. As long as you keep paying, it never goes away.
It lasts forever
It costs more than term life
It also saves a little money over time
Example:
No matter how old you are when you pass away, your family will get the money. -
This one lasts for a set amount of time.
Term life insurance is like renting a house. You rent it for a certain number of years, like 10, 20, or 30 years.
It only works during that time
It is usually the cheapest type
Good for parents with kids
Example:
If you have a 20-year term policy and something happens to you during those 20 years, your family gets the money. If the 20 years end, the policy ends too. -
This one is flexible.
Universal life insurance lets you change some things if your life changes.
You can sometimes change how much you pay
It lasts a long time
It also has savings built in
Example:
If money is tight one year, you may be able to pay less. If you earn more later, you can pay more. -
This one helps with end-of-life costs.
Final expense insurance is meant to help pay for things like funerals.
Smaller amount of money
Easier to get
Good for older adults
Example:
This helps your family pay for funeral costs so they don’t have to worry.
How does life insurance work?
You pay regular premiums to keep your policy active. If you pass away while the policy is in force, the insurance company pays a tax-free payout (called a death benefit) to your chosen beneficiary.
There are even policies where you can use your benefits while you are alive and have fallen on tough times.
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Why Do People Get Life Insurance?
People get life insurance because they love their families and want to help them—even when they’re not around anymore. Life insurance helps protect your family financially. It can replace lost income, pay off debts, and give your loved ones peace of mind during a difficult time, in LIVING and in DEATH!
It helps bring:
Safety
Support
Peace of mind
“Life insurance is a love letter written in dollars.”
“Life insurance is about caring for the ones you leave behind.”
“Life insurance is not for the people who die, it’s for the people who live.”
“The best time to buy life insurance is when you don’t think you need it.”
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Frequently Asked Questions
Still have questions? Take a look at the FAQ or reach out anytime. If you’re feeling ready.
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Yes. Many people have multiple policies to cover different needs, such as income replacement and final expenses.
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Simply request a quote, speak with an advisor, or fill out an application to find the policy that best fits your needs.
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No. Life insurance can also help cover funeral expenses, pay off debts, start a legacy or leave a legacy, even if you don’t have dependents.
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Some policies require a medical exam, while others offer no-exam options. The requirement depends on the coverage amount and policy type.
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How much life insurance do I need?
This depends on factors like your income, debts, family size, and future financial goals. A common guideline is 10–15 times your annual income, but your needs may vary.
We offer flexible pricing based on project type and complexity. After an initial conversation, we’ll provide a transparent quote with no hidden costs.