Yes — life insurance protects your loved ones financially if something unexpected happens. It can cover funeral costs, debt, income replacement, and help your family stay afloat when they need it most.

It depends on your income, lifestyle, and goals. A general rule is 10–15x your annual income, but I’ll help you find the right amount based on your unique situation.

Yes! Many carriers offer no-exam life insurance — all you do is answer a few health questions. It’s quick, painless, and you could get approved in as little as 24–48 hours.

Term life gives you coverage for a set period (like 20 or 30 years) and is usually the most affordable. Whole life or permanent insurance lasts your entire life and builds cash value over time.

An Indexed Universal Life (IUL) policy builds tax-free cash value that grows with the market (without the downside risk). You can legally borrow from your policy’s value later — tax-free — and use it for anything: retirement, real estate, or business moves. It’s a powerful wealth-building tool, not just insurance.