If you have a car, you have car insurance. If you have a home, you have homeowner’s insurance. If you have a life… well, it only makes sense to carry life insurance, right? Life insurance is one of the most vital pieces of your family’s long-term financial plan—and it’s the one we want to discuss the least. Its purpose is simple: to replace your income for your family if you die. But with all the choices available, finding a policy that’s just right for you could lead to extreme confusion and frustration. Fortunately, it doesn’t have to be that way. We’ll take you through the most common life insurance policies and help you find the one you need.

While seemingly straight-forward, there are many options for you when looking at life insurance. There’s Term Life Insurance, Permanent Life Insurance, Whole Life Insurance, Universal Life Insurance and Variable Universal Life Insurance. Beyond that, it can get even more complicated with options for Joint Life, Survivorship Life, Final Expense, Decreasing Term Life, Accidental Death & Dismemberment and more. We’ll chat with you to learn more about your needs, your goals, any relevant medical scenarios, size of your family and so on to provide you with a clear option for your life insurance needs.