How much life insurance coverage do I need?

Many families aim for 10-15 times annual income, but the right amount depends on mortgage, debts, children, and goals. A licensed broker can calculate your number in a free consultation.

What is the difference between term and whole life insurance?

Term life covers you for a set period and costs less. Whole life lasts your entire life and builds cash value. Term fits temporary needs; whole life fits long-term protection and legacy goals.

Can I get life insurance without a medical exam?

Yes. Many carriers offer simplified issue or accelerated underwriting with a health questionnaire instead of an exam. Approval can happen in days depending on age and health.

How much does life insurance cost per month?

Healthy adults in their 30s may pay under $30 per month for term coverage, but price varies by age, health, smoking status, and policy type. Get a personalized quote for accurate numbers.

How long does it take to get approved for life insurance?

Quotes take minutes. No-exam policies may approve same-day or within a few days. Fully underwritten policies with a medical exam typically take two to four weeks.