Life Insurance
Income replacement, mortgage payoff and future security for the people who depend on you — term, whole life and final expense cover explained honestly.
$750k–$1.2M
Cover we typically recommend
$50k
Average employer group cover
7–30 days
Payout speed after claim
16
Health classes we shop
Cover that fits your life, explained properly
Life insurance is the only product we sell that you hope never to use, and it is the one that changes the most for a family when it is used. If your income disappeared tomorrow, could your family stay in the house, keep the children in the same school and cover childcare while the surviving parent works full time? If the answer is no, the gap is what your life cover amount should be — and the calculation is far more specific than most people expect.
We size cover using the DIME method: Debt (mortgage, car loans, credit cards), Income (annual salary multiplied by the years until your youngest child is independent), Mortgage balance and Education costs. For a household earning $95,000 with a $320,000 mortgage and two young children, that usually lands between $750,000 and $1.2 million — considerably more than the $50,000 group policy most employers provide.
Term life is the right answer for most families: maximum cover per premium dollar, locked in for 10, 20 or 30 years, and cheap enough that both parents should be covered — including a stay-at-home parent, whose childcare, transport and household labour would cost tens of thousands a year to replace. Whole and indexed life have a place for estate, business succession or permanent-care needs, and we will say so plainly when that is the case.
What life insurance does for your family
A summary of what a well-built policy includes. Exact limits, sub-limits and endorsements are set out in your written quote and in the carrier's policy wording.
Income replacement
A tax-free lump sum that replaces your salary for a set number of years so daily life does not collapse.
Mortgage & debt payoff
Clears the mortgage, car loans and credit cards so the family home is never at risk.
Education funding
Reserves money for college or trade school, independent of market performance or FAFSA eligibility.
Childcare & household costs
Covers the real cost of replacing a stay-at-home parent's work — often overlooked entirely.
Final expenses
Funeral, burial or cremation costs, typically $10,000–$15,000, so nothing lands on grieving relatives.
Business continuity
Key-person cover, buy-sell funding and partnership protection for small business owners.
Living benefits riders
Accelerated death benefit if you are diagnosed with a terminal, chronic or critical illness.
Conversion rights
Convert a term policy to permanent cover later without a new medical exam if your health changes.
When a claim can be declined
Most denied claims fail because of an exclusion the policyholder never read. These are the ones that matter most on life insurance policies.
- Suicide within the first two years of the policy (the standard contestability period).
- Material misrepresentation on the application — undisclosed smoking, medication, aviation or hazardous hobbies.
- Death while committing a felony or during an act of war in some policies.
- Lapse for non-payment of premium; most carriers allow a 30–31 day grace period only.
- Group employer cover ends when you leave the job — it is not portable in most cases, which is why private term cover matters.
How we prevent surprises
- We walk you through the exclusions before you buy, not after a claim.
- We add endorsements where a gap can be closed for a few dollars a month.
- You receive the full policy wording and declarations page by email on day one.
- Your claims advocate reviews any settlement offer with you before you accept it.
Request your life insurance quote
Takes under two minutes. An advisor replies within one business day with a written comparison.
Secure form. We never sell your details.
Cover levels families commonly choose
Every family and business is different. These levels show the shape of what we build; your quote is tailored and priced from your own details.
20-Year Term · $500k
- Level premium for 20 years
- Tax-free lump sum payout
- Convertible to permanent cover
- Accelerated death benefit rider
- Covers mortgage balance
- No cash value
- Best for young families on a budget
30-Year Term · $1M
- Level premium for 30 years
- Full income replacement to age 65
- Clears mortgage + education costs
- Convertible without a new medical exam
- Waiver of premium rider available
- Child rider option for $10 per child
- Best all-round family protection
Whole Life · $250k
- Cover for life, never expires
- Guaranteed cash value growth
- Premiums fixed for life
- Policy loans against cash value
- Paid-up additions option
- Estate & final expense planning
- Higher cost per dollar of cover
Indicative monthly premiums for a healthy 35-year-old non-smoker. Your quote reflects age, health class, nicotine use and the term length you select.
Life Insurance FAQs
Straight answers to the things people ask us most about life insurance.
Protect the rest of your world too
Two or more policies with one advisor means one renewal date, one claims number and typically 12–18% less in total premium.