Individual Life Insurance

A Plan That Protects Your Future

Whether you're starting a family, buying a home, or planning for the future, individual life insurance provides long-term peace of mind. It offers financial protection for your loved ones if something happens to you—helping cover final expenses, debts, income replacement & more. It's a simple step with lasting impact.

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Individual life insurance pays out a tax-free death benefit to your chosen beneficiaries.

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It’s a financial safety net that helps replace lost income or settle outstanding debts.

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Policies can be temporary (term) or permanent (whole or universal life), depending on your goals.

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Coverage amounts & premium options are flexible, allowing you to build a plan that fits your budget.

How Individual Life Insurance Works

Individual life insurance is a contract between you and an insurer: you pay regular premiums, and in return, your loved ones receive a lump-sum payment if you pass away during the policy term. This benefit can be used to cover funeral expenses, pay off a mortgage, fund education, or replace household income.

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There are two main types: term life and permanent life. Term life provides coverage for a set number of years (like 10, 20, or 30), making it a popular and affordable option. Permanent policies stay in effect for life and may include cash value accumulation, which grows over time.



Choosing the right policy depends on your age, financial goals & family situation. Our team is here to help you compare options and secure protection that brings clarity—not confusion.

1 in 3

1 in 3 households would struggle financially within a month of losing a primary earner


 Source: Life Happens & LIMRA

6–10x

Term life insurance is up to 6–10x more affordable than whole life


Source: Forbes Advisor

59%

59% of Americans say they’d feel more secure with life insurance


Source: LIMRA

Frequently Asked Questions

Your Questions About Individual Life Insurance

We make understanding life insurance simple. Here’s what to consider:

  • What’s the difference between term & permanent life insurance?

    Term life lasts for a specific period and is typically more affordable. Permanent life (like whole or universal life) lasts your entire life and may build cash value over time. Term is great for temporary needs like income replacement; permanent works well for long-term estate planning.

  • How much life insurance do I need?

    A common rule of thumb is 10–15 times your annual income, but your needs may vary based on debts, dependents, and future plans. We’ll help you calculate the right amount to keep your loved ones financially secure.

  • Do I need a medical exam to qualify?

    That depends on the policy. Many traditional plans do require a brief medical exam, but no-exam and simplified issue policies are also available. We’ll help you compare your options based on age and health history.

  • Can I change my policy later?

    Some policies allow you to convert term coverage to permanent, increase coverage, or add riders. If your life circumstances change—like marriage, a new child, or a home purchase—we’ll help you adjust your plan accordingly.

  • Is life insurance expensive?

    Not necessarily. Term life policies can cost less than a dollar a day for healthy individuals. The sooner you apply, the lower your rate is likely to be. Coverage is more affordable than most people expect.