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What is life insurance

Life insurance is designed to ensure that the people you care about - namely your children and partner, will be taken care of financially after you pass away. With a life insurance policy, your family can receive a payment when you die, as long as your premium is active and paid for at the time of your death. That payment can be used for whatever your beneficiaries want or need, including funeral expenses, paying off outstanding debt, college tuition and more.

With family life insurance, your kids can afford college tuition. That's taking care of their future.

What you get
with every plan

An affordable plan that works with your family's monthly budget.

A fixed rate for the entire premium duration, no matter how long.

A personal account manager you can always contact or consult.

FAQ

  • Can life insurance pay off the family home?

    Your family home is a major investment. At least a third of your household income will go to keep and maintain it. A life insurance policy can give your family a way to off the home's mortgage and make sure they can continue to live there worry-free.


  • Why do I need life insurance?

    People get life insurance to provide financial security for their loved ones if they pass away. This can help cover expenses like funeral costs, mortgage payments, education, and everyday living expenses, ensuring your family isn't burdened financially during a difficult time. It's about protecting their future.

  • How much life insurance do I need?

    The amount of life insurance you need depends on several factors, including your income, debts, living expenses, and the future financial needs of your dependents. A common rule of thumb is to have coverage that's 5 to 10 times your annual income, but a more personalized calculation considering specific needs is always recommended.


  • What are the main types of life insurance?

    The two main types are term life insurance and permanent life insurance. Term life provides coverage for a specific period (e.g., 10, 20, or 30 years) and is generally more affordable. Permanent life insurance, like whole life or universal life, provides lifelong coverage and often includes a cash value component that grows over time.

  • When is the best time to buy life insurance?

    Generally, the best time to buy life insurance is when you're younger and healthier. Premiums are typically lower at a younger age because there's a lower perceived risk to the insurance company. However, if you have dependents or significant financial obligations, it's a good idea to get coverage regardless of your age.