Life Insurance 

Life insurance comes in term, whole, and universal policies. Term life offers coverage for a specific period, whole life builds cash value, and universal life provides flexible premiums. Each option has unique benefits, and we’ll help you choose the best one for your needs.

The amount depends on your income, debts, future financial goals, and family needs. A common rule is to have coverage worth 10–15 times your annual salary. We can help calculate the right amount to ensure financial stability for your loved ones.

The cost varies based on age, health, and coverage amount. Term life insurance is often the most affordable, while whole and universal policies cost more but offer long-term benefits. Premiums increase with age, so securing coverage early can help lock in lower rates.

Yes, many insurers offer coverage even with health conditions. However, premiums may be higher based on the severity of the condition. Some policies may require a medical exam, while others offer simplified underwriting for quicker approval. We can help you find the best option.

If you outlive a term policy, coverage ends unless you renew or convert it to a permanent policy. Some insurers offer renewal options, but costs may increase. Whole and universal life policies don’t expire and continue building cash value, making them an alternative option for long-term coverage.