Your beneficiaries can spend your policy's death benefit however they would like. But they typically will need it to cover everyday expenses, like monthly bills, groceries, and other household/family essentials. It also covers some of life’s biggest expenses, like a home mortgage, any outstanding debt like credit card debt, student loans, etc, your children’s college tuition, and it can also replace lost income. It also comes in handy for end of life expenses, like funerals and end of life care.

Term life insurance is more affordable with relatively low monthly rates. However, it provides coverage for only a fixed period of time — typically 10 to 30 years, depending on your policy. If you time it right that is typically all that most people need.​​Whole life insurance covers your entire life. The benefit here is that along with the typical death benefit payout throughout your life you also receive cash value - which basically builds your assets & can be used as savings for your retirement. During our free consultation, we will help you compare different plans & find the one that's best for you.

Our experts recommend getting coverage that is 10-30 times your income. This ensures without a doubt that your family will be financially stable in the long run. However, we have plans for every budget and circumstance and we will be happy to find the best one for you.