Term life replaces your income if you're gone — through the mortgage years, the kid years, the tuition years. A healthy 35-year-old can often cover their family with $500,000 of protection for less than a streaming bundle.
Work policies average 1–2× salary and vanish the day you leave the job — often right when a health change makes new coverage expensive. Individual term coverage is yours no matter where you work.
Replacing a breadwinner's income typically takes about 10× annual income in coverage. Most insured families carry a fraction of that — enough for a funeral, not for a future.
Premiums are priced on your age and health the day you apply. Every year you wait — and every new diagnosis — raises the price of the exact same protection.
We calculate your actual need — income, mortgage, debts, education — so you're neither underinsured nor overpaying.
Independent means we compare carriers, which matters enormously if you have any health history.
Choose a 20- or 30-year term and the price never moves, no matter what happens to your health after.
For healthy applicants in their 30s, $250,000–$500,000 of 20-year coverage commonly runs $15–$40/month. Your exact rate depends on age, health, and term length — the assessment gives you a realistic range before anyone contacts you.
For pure income protection, term wins on math: roughly 10× the coverage per premium dollar. Permanent policies have real uses (see our IUL page), but 'whole life as a savings account' is usually a commission pitch, not a plan. We'll show you both numbers honestly.
Very often, yes. Carriers differ dramatically in how they underwrite specific conditions — the same person can be declined by one and offered standard rates by another. That's precisely what shopping across carriers is for.
Ideally, nothing — the mortgage is paid, the kids are independent, and the need has passed. If you still need coverage, most policies can be renewed or converted to permanent coverage without a new medical exam.
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