If someone would be financially impacted by your passing – like a spouse, child, or dependent – life insurance can be a smart way to protect them. It can help replace income, cover debts, or provide financial support during a difficult time. Even if you’re not the primary earner, your role may include unpaid contributions like caregiving that would be costly to replace. We’ll talk through your specific situation to see if coverage makes sense for you.

Term life insurance covers you for a set period of time and is usually more affordable, making it ideal for temporary needs like income protection or mortgage coverage. Whole life insurance lasts your entire life and includes a savings component that builds cash value. It’s often used for long-term planning, estate strategies, or leaving a financial legacy. We’ll explain the pros and cons of each to help you decide which fits best.

The right amount depends on your goals – whether it’s covering final expenses, replacing income, or helping your family reach future milestones. Many people choose coverage that’s 5–10 times their annual income, but that’s just a starting point. We’ll ask about your debts, dependents, and future plans to help you find a number that’s both realistic and reassuring. It’s about getting coverage that supports your priorities without overpaying.

Yes – life changes, and so should your coverage. We can review your existing policy to ensure it still meets your needs and is priced competitively. Sometimes people find they’re over-insured, under-insured, or paying too much for an outdated plan. A simple policy review can provide peace of mind and possibly save you money.