Life insurance is the one policy nobody buys for themselves. What it does is keep the people you leave behind in the house, in the same school, and out of a forced sale in the worst month of their lives.
We place term and permanent cover, and we will tell you plainly which one your situation calls for rather than defaulting to the more expensive answer.
Term life covers a fixed number of years for a fixed price. It is the cheapest way to hold a large amount of cover, and for most families the need is genuinely temporary: it lasts as long as the mortgage and the children at home.
A healthy person in their thirties or forties can usually hold enough cover to clear a Florida mortgage for less per month than the flood policy on the same house. People routinely guess several times the real cost and never ask.
Whole and universal life cost considerably more and are worth it in specific cases: a dependant who will need support for life, an estate with an illiquid asset like a business or a property that would otherwise be sold to pay taxes, or a business needing key person or buy sell funding.
Outside those cases we will say so. Selling permanent cover to someone who needs term is how this industry earned its reputation.
Start from the mortgage balance, add what it costs to raise the children still at home, subtract the savings and any cover already held through work. The number that comes out is usually larger than people expect and cheaper to cover than they fear.
Employer cover is worth counting, but it is worth remembering it usually ends the day the job does, which is often exactly when it is needed.
Price is set by age and health at the time you apply, and it never gets cheaper by waiting. Many policies are now issued without a medical exam for healthy applicants at moderate amounts.
Existing conditions do not automatically mean no. They mean the case needs to go to a carrier that underwrites that condition sensibly, which is exactly what an independent agency is for.
Flood zone, county taxes and insurance in about a minute. No account needed to start.