Protect what matters most—your family, your legacy, your peace of mind.

Ask yourself:  
If something happened to me, how long do I want my family’s lifestyle to stay steady before they have to make big changes?

Let’s say you make $75K/year.  
You also fix stuff, mow the lawn, and run the house (don’t downplay that!).  
That’s easily a $90K/year contribution.

– $450K = covers your family for ~5 years  
– $900K = covers them for ~10 years

💡 Rule of thumb: 10–12x your income is a solid starting point.

Not necessarily—but let’s unpack this.

Whole life tries to be both:
1. Life insurance  
2. An investment

Problem? It usually doesn’t do either as well as handling them separately.

What Dave Ramsey says:
→ Buy TERM (it’s cheaper)  
→ Invest the difference (in something like an index fund)

✅ But Whole Life can make sense if:
– You’re not great at saving/investing on your own  
– You have long-term responsibilities (like caring for a special needs child)

Bottom line: If you’re financially disciplined and have healthy kids, TERM is your MVP.

I got you. 🙋‍♀️

In most cases, you can add a second policy without ditching your current one. We can chat through what makes the most sense for your situation.

Yes, you can have multiple active policies—even with different companies.

Let’s run a FREE quote and go from there!

That’s great—but here’s the deal:

1. It’s probably not enough
2. You don’t own it (your employer does)

Translation? When you leave your job (by choice or due to illness), it goes away.

Imagine:
– You’re diagnosed with cancer and stop working to get treatment → no more coverage.
– You quit to start a business at 45 → life insurance costs way more than it did at 30.

Get a policy that travels with you.

If you bought TERM life (most people do), and you outlive it—that’s actually a win.

The goal was to protect your people during:
– Kid-raising years  
– Mortgage-paying years  
– Peak earning years

By the time the term ends, your obligations are likely lower.

But! You’ve got options if you want more security:

– Return of Premium (ROP)
→ Costs more, but you get your money back if you outlive it

– Permanent Coverage (Whole Life or IUL)  
→ Lasts forever, also costs more

🔑 Top Factors:

– Age → The earlier you buy, the better
– Sex → Sorry guys, it’s true.  
– Coverage Amount → More money = higher premium  
– Coverage Length → 30-year policy costs more than a 10-year  
– Tobacco Use → Just quit. It’ll save your life *nd your wallet.

⚠️ Also considered:
– Your health
– Family medical history
– Lifestyle choices (speeding tickets, DUIs, skydiving—you get the idea)

Short answer: Not really.

Quotes you see online are often for perfect candidates (think: 25-year-old, non-smoking, CrossFit junkie with flawless health).

That “$17/mo for $500K” quote? That’s for her.

Let’s talk—text, phone, Zoom—I’ll meet you where you are. The more I know, the better I can serve you.

Nope.  
It’s a lump sum.
And it’s usually tax-free.
(Yes, really. And yes, that’s a big deal.)

Short answer? Yesterday.
But since we don’t have time machines, the next best time is right now—while you’re young-ish and healthy-ish. The older you get, the more expensive it gets (and the harder it is to qualify). Don’t wait until you “need” it.

Heck yes—and they should. 
You may not bring home a paycheck, but you run the house. Cooking, laundry, kids’ schedules, mental load management… that’s a full-time job. If something happened to you, your partner would need help (and probably a cleaning crew). Cover yourself.

Yup! You’re not locked in for life.  
You can adjust your coverage, cancel, or add new policies as life changes. Got married? Had a baby? Took out a mortgage? Time to reevaluate. Plus, most policies give you a “free look” period to change your mind after you buy.

Nope! Monthly is common, but you can also pay quarterly or annually. Some companies even give you a discount if you pay once a year. (Just one more reason to ask for quotes with multiple options.)

Not always.  
There are “no-exam” policies out there—but be warned: they usually cost more. You’re basically paying for convenience. If you’re healthy and okay with a quick blood test, traditional policies often give you way more coverage for less money.

In many cases, yes.
High blood pressure? Anxiety? Diabetes? You’re not alone—and you’re not disqualified. Rates may be higher, but that’s where I come in—I help you find the best company for your situation.

Crazy, right? But YES—some policies have living benefits or cash value.  
– Living benefits = You get access to the money if you get a terminal illness or need long-term care.  
– Cash value = You can borrow from it (think of it like a tiny savings account inside your policy).

Not every policy has these—but if that’s important to you, let’s chat about it.

Whoever would take the biggest hit if you weren’t here.  
Usually a spouse, kids, or even parents. You can name more than one, or even set up a trust (especially smart if you’ve got little ones). Just make sure you keep it updated—life changes, and your policy should too.

Here’s some good news:  
The payout is usually TAX-FREE. 💸🎉  
Unless you’re leaving behind a massive estate (we’re talking millions), your loved ones don’t owe taxes on the money.