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Life insurance provides financial protection for your loved ones by paying a tax-free benefit after your passing. It helps cover expenses like mortgage payments, debts, or future goals.
It depends on your income, debts, and family needs. A common rule of thumb is 10–12 times your annual income, but we can help calculate what’s right for your situation.
Most companies offer life insurance starting at age 18, and in some cases even younger with parental consent. The earlier you apply, the more affordable your rates tend to be.
Term life covers you for a set number of years, while whole life lasts your entire lifetime and builds cash value over time.
Yes. Many people combine policies to fit their needs — for example, a term policy for mortgage years and a smaller whole life policy for lifelong protection.
Term life stays the same during your term. Whole life and final expense policies have fixed premiums that never increase.
It’s a type of life insurance designed to pay off or help cover your mortgage if you pass away, so your family can stay in their home.
It’s specifically tailored to match your mortgage balance and term, ensuring your biggest investment is always protected.
In most cases, no. Many mortgage protection policies offer simplified or instant approval with just a few health questions.
Yes! Your policy follows you — it’s not tied to your lender or a specific loan.
Rates vary by age, health, and coverage amount, but it’s generally affordable and designed to fit most family budgets.
It ensures you have enough income to maintain your lifestyle and enjoy financial independence after you stop working.
Both are retirement savings accounts — a 401(k) is employer-sponsored, while an IRA is opened individually and often used to supplement savings.
Certain policies, like indexed universal life (IUL), can grow cash value tax-deferred and provide supplemental income in retirement.
Never! It’s always the right time to build a strategy — we can help you start wherever you are.
We can review your current savings, goals, and income needs to help create a personalized plan for financial confidence in your retirement years.
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