Life insurance provides a financial safety net for your loved ones if you pass away. It can help cover mortgage payments, debts, daily living expenses, education costs, and more—giving your family peace of mind during a difficult time.

Term life insurance covers you for a specific period (like 10, 20, or 30 years) and is often more affordable. Whole life insurance lasts your entire life and builds cash value over time. The best choice depends on your goals and budget—we’ll explore both options together.

Everyone’s situation is different. A general guideline is 7–10 times your annual income, but factors like your mortgage, debts, dependents, and future goals also play a role. I’ll help you determine the right amount for your needs.

I am paid a commission by the carrier of your policy; no fee to you.

Not always. Some policies require a quick medical exam, but many offer simplified underwriting or “no-exam” options. We’ll find the best fit based on your health and preferences.

Life insurance applications don’t impact credit; carriers may use soft checks for identity verification.

It’s probably more affordable than you think. Rates are based on factors like age, health, and coverage amount—but many plans are budget-friendly, especially if you start while you’re young and healthy.

Most policies come with a “free look” period (usually 10–30 days, varies by state and product), allowing you to cancel for a full refund. Even after that, you’re never locked in—your plan is fully yours, and I’ll be here if your needs ever change.

Absolutely not. My goal is to help you understand your options so you can make an informed decision on your timeline. There’s never any pressure to buy—just a real conversation about what’s best for you and your family.