Your wellbeing is our good reason to be here.
You ask...
Do I need life insurance?
If someone depends on your income (a spouse, kids, or family) yes. It helps cover their expenses if you’re gone.
How much coverage do I need?
A common rule of thumb is 10–15x your annual income, adjusted for debts, savings, and future expenses like education.
What’s the difference between Term, Whole Life, and Universal Life?
Term covers you for a set period (10–30 years) and is the most affordable. Whole and Universal Life last your entire life and build cash value, but cost more.
What happens if I become critically ill?
Standard life insurance only pays on death. Critical illness coverage or an accelerated death benefit rider can provide funds while you’re still alive.
What happens to my family if I’m gone?
Your beneficiaries file a claim and typically receive a tax-free lump sum within a few weeks to cover income, debts, and expenses.
How much does life insurance cost?
It depends on your age, health, and coverage type.
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