Life Insurance FAQ

Question 1

Do I really need life insurance?

Accepted Answer

If anyone depends on your income — a spouse, children, aging parents — then yes, life insurance is one of the most important financial decisions you can make.

Question 2

How much life insurance do I need?

Accepted Answer

A common starting point is 10–12 times your annual income, but the right amount depends on your debts, number of dependents, mortgage balance, and long-term financial goals.

Question 3

What is the difference between term and whole life insurance?

Accepted Answer

Term life covers you for a set period at a lower cost — ideal for income replacement. Whole life covers you permanently and builds cash value over time.

Question 4

Can I get coverage if I have a health condition?

Accepted Answer

In most cases, yes. Many plans offer simplified or guaranteed acceptance with no medical exam required.

Question 5

How much does life insurance cost?

Accepted Answer

A healthy 30-year-old can often get a $500,000 term policy for under $30/month. The best way to know your rate is to request a free quote.

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