Yes! The younger and healthier you are, the more affordable your coverage will be. Plus, securing a policy now locks in lower rates and ensures your family is protected if the unexpected happens later.

Term Life provides coverage for a specific period (like 10, 20, or 30 years) and is often the most affordable option. Whole Life covers you for your entire lifetime and builds cash value that you can borrow against if needed. Each serves different needs, and we’ll help you find the right fit.

It depends on your unique situation. A good starting point is 7-10 times your annual income, plus any debts like mortgages or education costs you’d want covered. We’ll walk through your needs and create a customized plan for your family’s future.

Most applications take just a few minutes to complete. Depending on the policy type, approval can be instant or take a few days. We make the process smooth, simple, and stress-free, guiding you every step of the way.

It depends on the type of policy you choose. Term Life premiums are typically locked in for the term period. Whole Life and certain permanent policies also offer fixed premiums. We'll explain all your options clearly so there are no surprises.

If you miss a payment, most policies offer a grace period (typically 30–31 days) where you can still pay without losing coverage. If you don’t pay within that period, your policy may lapse. Some permanent life policies allow reinstatement after a lapse, but you may need to show evidence of insurability.

It depends on your policy. Some policies allow you to increase coverage later without a new medical exam through riders (like a guaranteed insurability rider). Otherwise, you might need to apply for a new policy or additional coverage, which could depend on your health at that time.

In most cases, life insurance death benefits are paid out income-tax-free to your beneficiaries. However, if the payout is part of a taxable estate, or if interest accrues on the payout, some taxes might apply. We’ll work with you to structure your policy smartly so your loved ones keep as much of the benefit as possible.