Life insurance provides a tax-free lump sum to your beneficiaries if you pass away, ensuring they can cover living expenses, debts and future goals. We offer term life policies that provide coverage for a set period and permanent life policies that combine lifelong coverage with cash value accumulation. Whether you’re starting a family or planning your legacy, life insurance gives you peace of mind.
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Financial security — replaces your income so your loved ones can maintain their lifestyle.
Debt and expense coverage — pays off mortgages, loans, final expenses and medical bills.
Support for long-term goals — funds college tuition, retirement savings or charitable gifts.
Peace of mind — know your family is protected if the unexpected happens.
Supplemental benefits — some policies offer riders for critical illness, disability or long-term care.
How much life insurance do I need?
A common rule of thumb is 10–12 times your annual income, but factors like debts, children’s education costs and other assets matter. We provide a personalized needs analysis.
What is the difference between term and permanent life insurance?
Term life covers you for a set period (e.g., 10, 20 or 30 years) and is often more affordable. Permanent life (such as whole or universal) provides lifelong coverage with a cash value component that grows tax-deferred.
Do I need a medical exam to get life insurance?
Many policies require a brief medical exam, but some simplified-issue policies offer coverage without an exam or with a short questionnaire. We’ll match you with the right type based on your health and coverage needs.
Next Step: Contact us to schedule a life insurance review and protect your family’s future.
Needs-based approach — we help you calculate how much coverage your family needs based on your income, debts and future goals.
Clear comparisons — we explain the differences between term and permanent policies so you can choose the right option.
Client-focused planning — our recommendations prioritize your family’s well-being rather than product commissions.
Ongoing support — we review your coverage as your life changes to ensure it stays aligned with your goals.
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(704) 926-7565
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(980) 206-3356
