Life Insurance · Term Life
Protecting your family costs less than your coffee habit
If your family depends on your income, term life insurance isn't a luxury - it's a necessity. A $500,000 - $1,500,000 tax-free benefit often costs just $30 - 50 a month. I compare quotes from 18+ carriers to find your best rate.
What's included
- 10-year term
- 15-year term
- 20-year term
- 30-year term
- Income protection
- Mortgage protection
- Family protection
- Business protection
- Living benefits (where available)
- Conversion options (when available)
- Policy comparison across carriers
Who this is for
- Parents — anyone whose kids depend on their income
- Homeowners with a mortgage
- People in demanding or hazardous jobs — truck drivers, construction
- Business owners protecting partners and key people
- Young families locking in low rates while healthy
How term life works
You choose a coverage amount (the death benefit) and a term — 10, 15, 20 or 30 years. If the insured dies while the policy is in force during the term, beneficiaries generally receive the death benefit income-tax-free.: money to replace income, pay off the mortgage, fund education and keep the family's life on track.
How much coverage? A common approach: enough to cover your family's expenses for the years your kids need to reach independence. If your child is 10, a 15-year term sized to your family's income or spending over those years is a sensible starting point.
The math is surprisingly kind: a healthy 35-year-old can often get $1,000,000 of 20-year coverage for roughly the price of a few coffees a month. With level term coverage, your premium is typically locked in for the selected term.
A small payment today, a different life tomorrow
Your income protects your family today. Term life insurance protects them if one day you're not there — it's that simple, and that important.
Some policies offer living benefits that may provide early access to a portion of the death benefit if you meet certain qualifying illness or health conditions. Some policies also offer conversion options that may allow you to switch to permanent coverage later without new medical underwriting.
As an independent broker I quote Prudential, Transamerica, Mutual of Omaha, John Hancock, Protective, Corebridge and a dozen other carriers — rates for the same coverage genuinely differ, and the comparison is free.
Carriers I work with
As an independent broker I have access to products from these insurance companies - and compare their plans side by side for you.
- John Hancock
- Lafayette Life
- Lincoln Financial
- National Life Group
FAQ
Frequently asked questions
How much coverage do I need?
A quick rule of thumb: 10–15× your annual income, or your family's projected expenses until the kids are independent plus outstanding debts. We'll calculate it properly in ten minutes — everyone's situation is different.
What does it actually cost?
For a healthy non-smoker in their 30s–40s, $500K–$1M of 20-year coverage typically runs $30–70/month. Exact pricing depends on age, health and term — I'll pull real quotes from 18+ carriers for you.
What happens when the term ends?
At the end of the level term, coverage may end or may continue at substantially higher renewal premiums, depending on the policy. Many clients ladder terms to match their needs — e.g., a 20-year policy while the kids grow up. Some policies can be converted to permanent coverage along the way.
Do I need a medical exam?
Not always — many carriers now offer no-exam underwriting at competitive rates for qualified applicants. We'll see what you qualify for.
Free 40-second check
Which coverage actually fits your situation?
Five quick questions. No email required to see the answer, and nothing is sold to you at the end — you get a straight recommendation and, if you want it, a call with me.
Find out your rate - it's probably lower than you think
Five minutes of questions, quotes from 18+ carriers, zero pressure. Your family is worth the conversation.
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