Life insurance that fits your real life

Protect income, pay off debt, and build a flexible legacy—without product pressure

Who this is for

• Families who need income and mortgage protection
• Professionals building tax-efficient, flexible long-term value
• Business owners needing key person, buy-sell, or collateral coverage

What you’ll learn

• The difference between Term and Permanent (and when to use each)
• How riders like Chronic/Critical/Terminal Illness and LTC can add flexibility
• How to layer coverage over time as needs change

The basics

• Term (pure protection): Affordable coverage for a specific period (10–40 years). Great for income/mortgage protection and young families.
• Permanent (protection + potential cash value): Offers lifelong coverage with a savings component. Useful for legacy, liquidity, or long-term planning.
• Riders: Options like chronic/critical illness, LTC, waiver of premium—chosen based on goals and budget.

Our process

• Discovery: goals, debts, family needs, timeline, budget
• Education: term vs. permanent, riders, layering strategy
• Comparison: multi-carrier illustrations side-by-side
• Implementation: paperwork, underwriting, placement
• Annual Review: adjust coverage as life changes

Planning examples

• Young Family: 30-yr term for income + small permanent for future flexibility
• Late 40s Professional: 20-yr term to retirement + supplemental permanent cash value
• Business Partners: Cross-purchase term + optional permanent for succession

Compliance strip

“We do not provide tax or legal advice. Consult your professional advisors. Product features, benefits, underwriting, and availability vary by state and carrier. Past performance is not indicative of future results.”