Story at-a-glance Buy life insurance for the right reason—to give your family financial stability, not just to check a box.Don’t guess your coverage needs—use a personalized needs analysis that factors in debt, income, family goals, and future obligations.Work with a trusted, independent

Story at-a-glance Term life offers low-cost, temporary coverage, but only pays out about 1% of the time—and premiums rise sharply if renewed after the term ends.Permanent life (like whole life) guarantees lifetime coverage, builds cash value, and pays out 100% of the time—as long as premiums

Story at-a-glance Creates an instant estate – Life insurance provides immediate funds to cover debts, expenses, and your family’s future if you’re no longer here.Delivers powerful tax advantages – Enjoy tax-free death benefits, tax-deferred cash value growth, and tax-free access to your

Story at-a-glance ROP policies refund your premiums if you outlive the term—giving peace of mind and your money back.They cost more upfront—typically 2–3x the premium of regular term life insurance.Critics argue you could earn more investing the difference, but that assumes consistent savings

Story at-a-glance Avoid burdening loved ones – Even single physicians may leave behind debts, like student loans or final expenses, that fall on family.Lock in low rates while healthy – Buying early helps secure affordable premiums and protects future insurability.Protect your family’s

Story at-a-glance Term life is low-cost, temporary coverage—ideal for short-term needs like income replacement or mortgage protection.Whole life offers lifelong protection with tax-deferred savings and potential dividends that can reduce long-term costs.Term works well when budgets are tight

Story at-a-glance Life changes—your insurance should too. Major events like marriage, children, or income jumps can make old coverage outdated.Annual reviews help avoid big gaps, allowing small, strategic adjustments rather than costly catch-ups.You may find cheaper term coverage, especially

Story at-a-glance Don’t guess your life insurance needs—use a clear, step-by-step calculation instead of one-size-fits-all rules.Start by identifying actual needs, including debts, final expenses, future goals, and your family's lifestyle expectations.Quantify both immediate and long-term