What to know first
Term life covers a defined period and can help address obligations during those years. Permanent life is designed for longer protection when funded and maintained as required. The right review begins with your needs, existing coverage and budget.
Build a picture of what your family would need
Consider income replacement, childcare, the value of household work, debt, mortgage payments and education goals. Account for existing savings and policies. A single multiple of salary may miss important obligations. Inflation also reduces the purchasing power of a fixed benefit over time, which is a reason to revisit protection as needs change.
Understand term and permanent coverage
Term insurance provides protection for a specified period, subject to the policy terms. It is often considered for working years, dependent children or a mortgage. Permanent policies have a different cost and funding structure and may build cash value. Guarantees, assumptions and ongoing funding need careful explanation before choosing a policy.
Review coverage through work
Employer benefits can be valuable, but the amount, portability and continuation terms vary. Check what happens when employment changes and whether the benefit fits the household’s full obligations. An individually owned policy can help address protection needs that are separate from a job. Include both adults’ responsibilities in the review.
Know what happens after the conversation
Our team can explain application steps and underwriting before you apply. Some eligible applicants may qualify without bloodwork, depending on carrier, amount and health history; it is not guaranteed. A quote request is not an application or approval. Do not share medical or identity documents in this form.
Questions people ask
What is term life insurance?
Term life provides coverage for a defined period. An eligible death benefit is paid according to the policy terms if the insured dies while coverage is in force.
Is workplace life insurance enough?
That depends on the benefit and your obligations. Review the amount, continuation terms and other coverage against the needs of your household.
Will I need bloodwork?
Some eligible applicants may qualify without it. The carrier, requested amount, age, health history and underwriting determine the requirements.