Life insurance.
Life insurance without the hard sell, in amounts that fit real budgets.
Our approach is dull. What would actually have to get paid if you were gone, for how long, and what does covering that cost. Sometimes the answer is a straightforward term policy and a short conversation.
What a life policy can cover.
-
Term life
Coverage for a set number of years. The simplest and usually the least expensive way to cover a mortgage or the years until the kids are grown (college, cars, etc.).
-
Whole and permanent life
Coverage that does not expire, and may build cash value over time. More expensive, and right for a narrower set of reasons.
-
Final expense
Smaller policies meant to cover a funeral and the costs that land immediately on a family.
-
Mortgage protection
Enough coverage that the people in the house get to stay in the house.
-
Business needs
Key person coverage, or funding a buy-sell agreement so a partner’s death does not become a business crisis.
All subject to the coverage and limits on the policy.
Why we bring it up at all.
A lot of the property here also gets passed down. A cottage that stays in a family for three generations has a way of turning into an estate question, and life insurance is sometimes the cleanest way to keep it from becoming an argument.
Worth raising before you buy.
Employer coverage usually is not enough
Group life through work is a real benefit, but it is often a multiple of salary and it usually ends when the job does.
Health changes pricing
Rates are based on age and health at the time you apply. Waiting is not free. Seriously, don’t wait.
Questions we get asked.
- How much life insurance do I actually need?
- It depends on what would still have to be paid: the mortgage, the years of income your household relies on, and any final costs. We would rather walk through those numbers with you than quote a rule of thumb.
- Is term life good enough?
- For a lot of households, yes. Term covers a defined stretch of years for the least money, which suits a mortgage or the span until children are independent. Permanent coverage solves different problems and costs more.
- Do I need a medical exam?
- It depends on the carrier, the amount of coverage requested and your age. Some policies are issued without one. We can tell you which options are available before you commit to anything.
- Will you pressure me on this?
- No. If you would rather just get the number and think about it, that is a completely reasonable way to handle it.
Related coverage
-
Home & lake home
Year-round houses, cottages, seasonal homes and rentals.
Read more -
Business
Contractors, shops and seasonal operations, written by someone who knows the season is short.
Read more -
Auto
Personal and commercial vehicle coverage, written by someone who can explain it in plain English.
Read more
Need life insurance?
We will shop it across our carriers, then call you back and talk it through. No obligation.