Personal · life insurance
Three structures. Read them first.
Term, whole, universal. We teach the structures first, then run the math against your situation. No prices on this page; real rates are case-by-case.
We represent you, not the carrier
We're independent. We can write with 20+ carriers, and we recommend based on your situation, not a quota.
No quotes on this page
Real rates depend on health class, age, and structure. We won't show you a number we can't honor.
Education before application
You'll be able to explain what your policy does in your own words before you sign anything.
We re-read every illustration
Especially permanent-life. We flag projected-vs-guaranteed and tell you what the funding has to be.
Start with how much, then we'll talk about which.
Insurance gets sold by structure (term vs whole vs universal), but the right structure follows the number, not the other way around. Get the number first.
How much life insurance do you actually need?
Move the sliders. We'll size a range, not a quote, and tell you which structure usually fits. Nothing leaves your browser.
The four products we write.
Term Life
A death benefit if you die during a chosen term: 10, 20, or 30 years. Premium is level for the term, then ends. No cash value. The most common right answer.
Whole Life
Permanent coverage with a level premium for life and cash value that grows on a guaranteed schedule. Conservative, expensive, predictable. The simplest permanent option.
Universal Life
Permanent coverage with flexible premium and cash value that grows on the carrier's crediting rate (or an index, in IUL). More moving parts than whole. Best when a CPA or attorney is in the room.
Final Expense
A small permanent policy, usually $5K to $50K, sized to cover a funeral, burial, and near-term liquidity. Simplified underwriting, often no exam. Not income replacement.
Most bad whole-life sales happen the same way.
Someone sees a permanent illustration with a juicy projected crediting rate and a thick cash-value column, signs the application, and twelve years later finds out the policy was funded at minimum and the rate was at the top of a band that never materialized. The reason it happens is the structure was never explained. Before we'll write whole or universal life, you'll be able to tell us, in your own words, what the death benefit is for and how the cash value behaves under three different scenarios. Term doesn't get this treatment because term doesn't have these traps.
Frequently asked.
How much life insurance do I actually need?
What does a medical exam actually look at?
What's the difference between term and whole life?
Can I get coverage if I have a pre-existing condition?
What happens to my term policy if I outlive it?
Are 'no-exam' policies legitimate?
Can I name a trust as a beneficiary?
When should I review my coverage?
Book a discovery call.
Bring the number from the calculator, or don't. We'll talk about what the death benefit is for, what window it has to cover, and whether term, permanent, or some mix is the right structure. No application paperwork on this call.