Protect What Matters Most with Life Insurance

Truth: 
Most people significantly overestimate the cost of life insurance. Many assumptions are based on guesses rather than actual quotes. Pricing depends on age, health, coverage amount, term length, and carrier underwriting. 

For example, a 20-year term policy for $100,000 for a healthy 35-year-old non-smoker has been quoted at approximately $26.70 per month. Rates vary by individual and carrier. 

Best Advice: 
Don’t guess — look at real numbers. 

Check Your Real Cost

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Truth: 
If your absence would create a financial hardship for anyone — a spouse, co-signer, business partner, or lease obligation — life insurance matters now. 
Additionally, if being unable to work due to terminal, critical, or chronic illness would create hardship, life insurance with Living Benefits may provide protection while you are living. 

Buying coverage while young and healthy can reduce long-term costs and help protect future insurability. 

Best Advice: 
Get coverage before you need it. 

Talk With a Licensed Advisor

See What You Qualify For

Truth:
Employer-provided life insurance is often limited in amount and typically tied to employment. Coverage may be a flat amount or 1–2× salary and may not be sufficient for long-term financial needs. 

Because it is group coverage, it usually does not follow you if you leave your job. When converted or replaced with an individual policy, costs can increase significantly. 

Best Advice:
Use employer coverage — and supplement it with coverage you control. 

Get a Personalized Quote

Talk With a Licensed Advisor

Truth: 
The application process has changed significantly. Many policies are now applied for online using simplified or accelerated underwriting. Some policies receive same-day or near-instant decisions. 

While questions are required to provide accurate quotes, the process is far faster than traditional paper applications. 

Best Advice: 
Don’t let an outdated process delay protection. 

Check Your Real Cost

See What You Qualify For

Truth: 
Most people are not experts in life insurance — and they don’t need to be. A licensed professional’s role is to explain options clearly and help you make informed decisions. 

You do not need to know what you want before the conversation. 

Best Advice: 
Start the conversation. We’ll guide you. 

Talk With a Licensed Advisor

Get a Personalized Quote