It depends on your needs. Term is affordable and provides coverage for a set time. Whole life builds cash value over time. IUL offers lifelong coverage and the potential for tax-free growth tied to a stock market index. A personalized review can help you choose what fits best.
02
Yes! Many carriers offer policies for individuals with health issues. We work with companies that specialize in finding coverage, even with conditions like diabetes or high blood pressure.
03
A good rule of thumb is 10–12 times your annual income, but it also depends on your debts, income replacement goals, and legacy plans. We can help you calculate the right amount.
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Life insurance provides a tax-free death benefit that can be used to pay off debt, fund education, or create generational wealth. It’s a powerful tool for passing on financial security.
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Final expense insurance is a smaller policy meant to cover funeral and end-of-life costs. Traditional life insurance offers higher coverage amounts for broader financial protection.
