Life insurance provides financial protection for your loved ones by helping cover funeral costs, debts,
and ongoing living expenses if something happens to you.
It depends on your income, debts, lifestyle, and family needs. A common guideline is 7–10 times your
annual income, but I’ll help you customize a plan.
Term Life: Covers you for a set period (10, 20, or 30 years) and is generally more affordable.
Whole Life: Covers you for your entire lifetime and builds cash value you can borrow from.
Rates vary based on age, health, coverage amount, and type of policy. Many people are surprised at
how affordable term coverage can be.
Some policies require a simple exam, while others don’t. I can help you find options that fit your needs
and comfort level.
Yes, many policies allow you to increase coverage, add riders, or convert term coverage into
permanent insurance as your needs change.
Final Expense insurance is a type of whole life policy designed to cover end-of-life costs such as
funeral expenses, medical bills, and outstanding debts, so your loved ones aren’t left with the burden.
Most people choose $10,000 to $25,000 in coverage, depending on the average cost of a funeral and
personal wishes. I can help you select an amount that fits your needs and budget.
