Life insurance is the one policy you buy entirely for someone else. The purpose is simple: if your income disappears, the people who depend on it should not lose the house along with you.
Term covers a fixed period — typically 10, 20 or 30 years — at a substantially lower cost. It suits the years when a mortgage is outstanding and children are dependent. Permanent coverage lasts for life and builds cash value, at meaningfully higher premium.
For most families with a mortgage and young children, term does the job that actually needs doing, and does it affordably.
A common starting point is ten to twelve times annual income, adjusted for the mortgage balance, expected education costs, and any existing coverage through an employer. Employer coverage is worth counting but not relying on — it usually ends when the job does.
We are a property and casualty brokerage first. But when someone buys a home, the mortgage becomes the largest obligation their family carries, and it is worth ten minutes to confirm that obligation is covered. If you would rather not have that conversation, that is entirely fine.
Send us the declarations page you have now. We read it line by line, tell you plainly where the gaps are, and shop it across the carriers appointed in your state. If what you hold is already the right policy, we will say so.
Send your policyOne brokerage, one file. If it is on this list we can shop it alongside whatever you already hold, and tell you where the two policies overlap or leave a gap.
Send us what you have now. We will read it properly, tell you where the gaps are, and shop it across the carriers appointed in your state. If it is already right, we will say so.
Independent insurance guidance for your home, your business, and your life across state lines.