Life Insurance: What It Actually Is
Life insurance is not an investment product or a sales pitch. It's a simple financial tool: if something happens to you, it replaces your income and covers the costs your family would otherwise have to carry alone — mortgage, childcare, debt, everyday bills. This page breaks down how it actually works, in plain language.
Term vs. Permanent: What's the Difference?
Term life covers you for a set period (10, 20, 30 years) at the lowest cost — ideal for covering a mortgage or years your kids are still at home. Permanent life (whole/universal) lasts your entire life and builds cash value, but costs significantly more. Most families start with term because it delivers the most protection per dollar.
A simple rule of thumb: 10-12x your annual income. If something happened to you today, that's roughly what it would take to replace your income, pay off debt, and give your family time to adjust — without a GoFundMe. We'll help you find your exact number in a free, no-pressure consultation.
