Life insurance is not a mystery product. It is a check that shows up when the paycheck does not. We start with who depends on you, then pick a structure that is honest about cost.
Term covers a window — the mortgage years, the tuition years. Permanent is a different conversation. We will not sell you the expensive one just because it is on the sheet.
What it typically includes
- Income replacement for people who depend on you
- Mortgage and outstanding debts
- Final expenses
- Education and longer-term goals
- Term and permanent options
A good fit if
- Parents of young children
- Anyone with a mortgage
- Business owners who need key-person or buy-sell
- People who were sold a policy they do not understand