Term Covers you for a set period of time usually 10, 20 or 30 years, while whole/permanent life covers you regardless of when you die.

Although life insurance isn’t free, not having it can be more expensive for the family that you leave behind. Life Insurance is a way to start building generational wealth. It is tax-free to the beneficiary.

There are several other options including; Term with a Return of Premium and Guaranteed Universal Life

No, the premium is paid once a month and does not require you to pay a month ahead.

No, during the process you and I are in direct contact with the Underwriter and will be able to let us know if you are approved or not.

We will decide what is comfortable so that you maintain having a policy but at a reduced monthly premium until you get to a favorable position.