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Life Insurance
Term, whole life and final expense plans sized to your income, mortgage and family.
10 times income plus the mortgage is a starting point, not the answer
A common rule of thumb is 10 times your annual income plus your mortgage balance and anticipated education costs. It's a reasonable place to start a conversation, but it isn't sized to your actual family, your actual mortgage, or what you actually want covered. We work through your real numbers instead of stopping at the rule of thumb, then compare term, whole life and final expense so you can see what each one actually buys for what it costs.
Term, whole life, or both
Term costs far less and covers the years your family is most financially exposed, whether that's while the kids are young or while the mortgage is still large. Whole life costs more but never expires and builds cash value along the way. Many families use a mix of both rather than betting everything on one. And a medical exam isn't always required: several carriers offer simplified-issue policies with health questions only, which can be approved in days instead of weeks.
Term, whole life and final expense, sized to your family. Se habla espanol.
Life insurance questions
What families ask before they choose a policy
Work through your actual numbers, not just the rule of thumb
Coverage descriptions are summaries only. Actual terms are governed by the issued policy.