Personal insurance
Life insurance, sized to the people counting on you
The policy is not for you — it is for whoever depends on your income continuing. Sizing it starts with them: what gets replaced, what gets paid off, and for how long.
How the conversation goes
Life insurance is two decisions dressed as one: how much, and what kind. The first is arithmetic about the people who rely on you — income to replace, a mortgage to retire, education to fund. The second is a horizon question: term coverage for a defined window, permanent coverage for obligations that never expire. Most households need more of the first conversation than they expect and less of the second than they are sold.
Because we sit on the property side of your life too, the life conversation happens with the whole picture in view — the mortgage on the house we already insure, the ages of the drivers we already know. It starts where everything here starts: on the contact page, or alongside the rest of the household on the personal insurance hub.
Life insurance questions we actually get
What is the difference between term and permanent life insurance?
Draft copy: the final answer will contrast term's defined window and lower cost with permanent coverage's lifetime horizon and cash value, and say plainly who each serves. Structural placeholder text on purpose, holding the question slot at the enforced bound until reviewed copy replaces it.
How much life insurance coverage do I need?
Draft copy: the published answer will walk the sizing conversation, income replaced, debts retired, education funded, rather than a rule of thumb multiplied by salary. A visible draft by design, so placeholder language is never mistaken for reviewed financial guidance on a live page.
Do I need life insurance if I have coverage through work?
Draft copy: the reviewed answer will explain what group coverage typically provides, what happens to it when a job changes, and why owned coverage is decided differently. Draft register on purpose; this passage proves the layout, the schema pairing, and the word-count bound.
Does an independent agency shop life insurance like home and auto?
Draft copy: the final answer will describe how life quoting differs from property lines, and how underwriting classes rather than carrier appetite drive the outcome. Placeholder phrasing in plain sight, sized to the forty-to-sixty-word bound the site enforces for liftable answers.
Do the arithmetic once, properly.
Bring the mortgage balance and a sense of what your household spends in a year. Sizing coverage from those two numbers beats any rule of thumb.