Protect the people
who depend on you.

Rules of thumb like "10 to 12 times your income" are starting points, not answers. The real number comes from your situation: how many years of income your family would need to replace, what debts would need to be paid off (including your mortgage), what future costs matter to you — like college for your kids — and what you'd want covered for final expenses. When we talk, we walk through those numbers together so the coverage amount is based on your life, not a formula.

Term life covers you for a set window — commonly 10, 20, or 30 years — and delivers the most coverage per premium dollar, which makes it a strong fit for protecting a mortgage or raising kids. Permanent coverage (whole life and universal life) lasts your lifetime and builds cash value over time, with higher premiums to match. Neither is automatically better: many families use term for the big temporary needs and a smaller permanent policy for lifelong ones. The right mix depends on your budget, your obligations, and how long you need the protection to last.

It's a good start, but it usually isn't enough on its own — and it typically isn't yours to keep. Employer coverage is often capped at one to two times your salary, well below what most families need, and it generally ends when you change jobs or retire. A personal policy stays with you regardless of where you work, and locking it in while you're younger and healthier usually means better rates than waiting until you need it.

You'll never receive a bill from me. Like most life insurance agents, I'm compensated by the insurance carriers when I help someone enroll, and your premium is exactly the same whether you apply through me or directly with the carrier. The difference is that you get an advisor who works with multiple top-rated carriers, compares real quotes side by side, and picks up the phone after your policy is in place.