How much life insurance do I need? 

The amount varies based on factors like income, debts, and future expenses. A general rule is 10-15 times your annual income, but we can tailor a plan that suits your specific circumstances. 

What's the difference between term and whole life insurance? 

Term provides coverage for a specific period, while whole life is permanent. Term is often more affordable, while whole life accumulates cash value over time. 

Can I get life insurance if I have health issues? 

Yes, there are options. Some policies may require a medical exam, while others, like guaranteed issue plans, don't consider health conditions. 

How much does life insurance cost? 

Costs vary based on factors like age, health, and coverage amount. We can provide quotes to help you understand the potential costs. 

Can I change my life insurance coverage later? 

Yes, many policies offer flexibility. You can adjust coverage amounts or convert term policies to permanent ones in some cases. 

What happens if I miss a premium payment? 

Many policies have a grace period. If you miss a payment, there's usually a window to catch up without losing coverage. 

Is life insurance taxable? 

Generally, death benefits are not taxable. However, there can be exceptions, especially with investment components in some policies. 

Can I have multiple life insurance policies? 

Yes, you can have multiple policies to tailor coverage to different needs. It's essential to assess your overall coverage to avoid over-insuring. 

Will my premiums increase over time? 

For term life insurance, premiums often increase with age. Some whole life policies have level premiums, offering stability. 

How long does it take to get a life insurance policy? 

It varies, but some policies offer instant approval, while others may take a few weeks, especially if a medical exam is required.