Life Insurance Planning
Life Insurance
Life insurance is really about the people and plans you care about most. Whether that means replacing your income for your family, covering a mortgage, or leaving something behind for the people you love, the right coverage gives you one less thing to worry about
Your planning starts with three key questions.
Do You Need Life Insurance?
Review 7 areas of your financial life that can help you decide whether life insurance may have a role in your plan.
How Much Life Insurance Do You Need?
Estimate coverage needs based on income, debt, dependents, and future financial goals.
Term vs. Permanent Life Insurance
Understand the key differences before exploring individual policy types.
LET’S CONNECT
Not Sure Where To Start?
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EXPLORE YOUR OPTIONS
Types of Life Insurance
Life insurance comes in several forms, each designed to address different needs, time horizons, and financial goals. Understanding the basic differences can help you narrow your options and identify which types of coverage may be worth exploring as part of your broader financial plan.
Term Life
Provides coverage for a set period, typically with a fixed premium for the selected term.
Explore Term Life →
Whole Life
Provides permanent coverage with generally fixed premiums and a cash value component that can grow over time, subject to policy terms.
Explore Whole Life →
Universal Life
Offers permanent coverage with greater flexibility in premiums and death benefits, subject to policy requirements.
Explore Universal Life →
Indexed Universal Life
A type of universal life insurance that builds cash value based in part on the performance of a market index, subject to policy limits and terms.
Explore Indexed Universal →
WHO ARE YOU PROTECTING?
Your needs depend on who relies on you.
Life insurance needs can vary widely depending on your family structure, financial responsibilities, and long-term goals. Thinking about who relies on you — and what they would need if you were no longer there — can help bring the right coverage questions into focus.
Stay-at-Home Parents
Consider the financial value of caregiving, household management, transportation, and other responsibilities that would need to be replaced.
Learn more →
Families & Dependents
Think about income replacement, housing costs, debt, education expenses, childcare, and the everyday costs your family depends on you to help cover.
Spouse
Coverage may help a surviving spouse manage shared debt, replace lost income, maintain household expenses, and adjust to a different financial future.
Estate & Heirs
Life insurance can also be considered for estate liquidity, wealth-transfer goals, inheritance planning, and other legacy needs.
GO DEEPER
Review, refine, and plan ahead
Whether you’re reviewing coverage you already have or considering how life insurance may fit into more advanced planning, these resources can help you evaluate what you have and explore what may come next.
REVIEW YOUR COVERAGE
Already have life insurance?
Existing coverage should evolve as your family, finances, and priorities change.
Your Annual Insurance Review →
ADVANCED PLANNING
Life insurance beyond basic protection
Explore how life insurance may intersect with estate planning, wealth transfer, taxation, and other more complex planning goals.
ALSO WORTH A LOOK
Beyond life insurance
Life insurance is one part of a broader financial plan. Explore related strategies to protect income, prepare for future care needs, manage risk, and plan for retirement.
Disability Income
Protect the income your financial plan and household depend on.
Explore →
Long-Term Care
Explore planning considerations for potential care needs later in life.
Explore →
Annuities & Retirement Income
Consider strategies designed to help turn assets into retirement income.
Explore →
Property & Liability
Review how your property and liability coverage fit into your broader risk plan.
Explore →
Business Insurance
Explore coverage considerations for protecting a business, its owners, and key people.