Term life insurance provides essential financial protection for a specific period, typically 10, 20, or 30 years. If you pass away during this term, your beneficiaries receive a tax-free death benefit, ensuring their financial security. This straightforward policy offers peace of mind, knowing your loved ones are protected, and allows you to focus on creating lasting memories together.

Determining the right amount of coverage involves assessing your income, debts, living expenses, and future financial goals. A general recommendation is to have a policy that covers 10-12 times your annual income. This ensures your family can maintain their lifestyle, pay off debts, and secure their future even in your absence. Our team is here to help you evaluate your needs and find the perfect coverage for your situation.

Outliving your term insurance policy means the coverage will end, and no benefits will be paid out. At the onset of choosing the best solution, it should be determined if your goal is to continue coverage via renewal, or to convert part or most of the policy into a permanent solution, tailored to your needs. An alternative would be to apply for a return of premium policy, which would return the base premiums paid into the policy, without interest or growth.

Health insurance covers a wide range of medical expenses, including doctor visits, hospital stays, preventive care, prescription medications, and emergency services. Each plan has specific details, but our goal is to provide you with comprehensive coverage that ensures you and your family receive the necessary care without financial strain. We are committed to making sure you understand all aspects of your plan and how it benefits your health and well-being.

Disabilities insurance can be short-term or long-term. Short-term policies cover a few months to a year, while long-term policies cover more extended periods, potentially until retirement age. Both typically cover disabilities from illness, injury, or accidents, but coverage specifics can vary by policy.

Many polices offer partial or residual disability benefits, which provide income if you’re only able to work part-time or experience a reduced earning capacity due to disability.