Life Insurance

Life insurance answers a narrow, uncomfortable question: if your income stopped tomorrow, who would feel it, and what would they need? The size and shape of the answer is what separates one policy from another, and it is the part worth getting right before anyone talks about products.

Term coverage lasts for a set number of years and is usually the least expensive way to cover a defined obligation — the years until a mortgage is paid off, or until the youngest child finishes school. Permanent coverage is built to last for life and can accumulate cash value over time, which changes what it can be used for and what it costs.

Which of those fits depends on what you are actually protecting, for how long, and what you can comfortably keep paying. We start there rather than with a product, and I will explain the difference between the options in plain language before you decide anything.