Life insurance can help cover a range of expenses, including mortgage payments, debts, tuition, funeral costs, and everyday living expenses. It can also replace lost income, providing financial stability for your family. The payout is made in a lump sum and is typically tax-free. Ultimately, your beneficiaries can use the funds as they see fit. Life insurance ensures your loved ones are supported when they need it most.

Yes, and our application is completely free and won’t impact your credit score. Plus, each policy comes with at least a 10-day free look period—if you decide to cancel within that time, you’ll receive a full refund of the premium paid. After 10 days, you can cancel your policy anytime, with no cancellation fees.

If you already have life insurance through your employer, that’s a great start, but it most likely isn't enough to fully protect your loved ones. Employer-provided coverage is often limited and may only cover a portion of your income. It’s also tied to your job, meaning if you change jobs, get laid off, or retire, you will lose the coverage. Adding a personal life insurance policy can help fill the gap, offering more flexibility and ensuring long-term protection for your family. By locking in coverage now at your current age, you can secure a lower premium, ensuring you get the best value while providing long-term protection for your family.

The amount of life insurance you need depends on several factors, including your financial responsibilities and goals. A good rule of thumb is to aim for coverage that replaces 10-15 years of your income. Consider additional expenses like mortgage payments, debts, childcare, and education costs. It's also important to think about any savings or assets you have that could reduce the amount needed. A personalized needs analysis from a licensed field underwriter can help you determine the right coverage to protect your loved ones and ensure their financial security.