Personal & Family
Life Insurance
Term and permanent coverage matched to your stage of life.
Overview
What to know about life coverage.
Life insurance replaces income and settles obligations if you’re not there. Term policies cover a specific period (often 10–30 years) at lower cost. Permanent policies combine coverage with a cash-value component. They are more complex, and best suited to specific planning needs.
What's typically covered
- Income replacement for dependents
- Mortgage and debt payoff
- Final expenses and estate settlement
- Business buy-sell funding (for owners)
Things to consider
- Term length should cover your working years or until dependents are self-sufficient
- Face amount: a common rule of thumb is 10–12× annual income
- Permanent policies (whole, universal) make sense for specific estate or planning needs, not as a default
FAQ
Common questions.
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Do I need life insurance if my employer provides it?
Employer group life is a useful supplement, but it often ends when your job does. An individually-owned term policy gives you continuity regardless of employment.
Ready to talk about life?
Tell us what you're protecting and we'll shop it across carriers. No obligation, no hard sell.
