A short conversation to understand your family and your budget, then honest options — not a sales pitch. I'll tell you if I don't think you need coverage yet, too.
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Every family's situation is different — here's the three most common starting points, explained plainly.
Coverage for a set period — 10, 20, or 30 years — at the lowest cost per dollar of protection. Usually the right fit while you have a mortgage or young kids at home.
Coverage that never expires and builds cash value over time. Costs more than term, but makes sense if you're thinking about legacy, not just income replacement.
Smaller policies designed to cover funeral costs and final bills so your family isn't left covering them out of pocket. Easier to qualify for, often no medical exam.
You can stop after step one if it's not the right time — that's a completely normal outcome of this process.
15 minutes. I ask about your family, your budget, and what you're actually trying to protect against — no forms, no quotes yet.
I check your situation against multiple carriers, not just one company's product, and bring back the options that actually fit.
You choose, or you don't — both are fine outcomes. If you move forward, I handle the paperwork and stay your point of contact after.
Depends on income, debts, and how many years you want replaced — most families land somewhere between 10-15x annual income, but we'll work out your actual number on the call, not guess at it here.
Depends on the policy type and amount. Final expense and some term policies can be approved without one. I'll tell you upfront which options require an exam before you commit to anything.
Worth checking — employer coverage usually ends the day you leave the job, and often isn't enough on its own. I can look at what you have and tell you honestly if it's sufficient.
No. If it's not a fit, or it's not the right time for you, I'll say so. This site exists because I'd rather have that conversation directly than have you guess at pricing from a form.
"I expected a sales pitch and got a straight answer instead. Mike told me the smaller policy actually made more sense for where we're at right now. That honesty is why we came back for a second policy last year."
15 minutes, no pressure, no obligation. Book a time that works for you.