Your family depends on you. If something happened tomorrow, could they keep the house? Stay in their school? Go to college? Life insurance makes sure the answer is yes — no matter what.
If you were gone tomorrow, your family would lose your entire income. Life insurance replaces those earnings for the years your family needs it most.
The mortgage is likely your family's largest debt. Life insurance ensures they can stay in the home without worrying about payments.
College costs average $25,000–$60,000 per year. Life insurance funds your children's education even if you are not there to provide.
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Based on income replacement + mortgage + education + final expenses
The best value for most families. Maximum coverage at the lowest cost, perfectly aligned with your highest-need years while children are growing and the mortgage is being paid.
Permanent coverage that builds cash value and never expires. Ideal for estate planning, wealth transfer, or ensuring a legacy for your children and grandchildren.
Already have employer coverage? Add an individual policy to close the gap between your group benefit (1–2x salary) and the 10–12x your family actually needs.
A stay-at-home parent provides services that would cost tens of thousands to replace. Here is what it would actually cost to hire help.
Annual cost to hire professionals for each role
Just married, starting out
Kids at home, peak responsibility
Kids grown, approaching retirement
A family of 4 typically needs 10–12x the primary earner's income plus mortgage balance plus $100K–$240K per child for college. For a household earning $100K with a $300K mortgage and 2 children, that could mean $1.5–$2 million in coverage.
Yes, absolutely. Even a stay-at-home parent provides services worth $59,000+ per year. Losing either parent creates a financial gap. Cover the working parent for income replacement and the stay-at-home parent for the replacement cost of their services.
Child life insurance is optional and a lower priority than parental coverage. However, a small child rider ($10K–$25K for a few dollars per month) covers funeral expenses and guarantees future insurability regardless of health conditions that may develop later.
A 20 or 30-year term policy is the best foundation. It provides maximum coverage at the lowest cost, aligned with your highest-need years. Some families add a small whole life policy for permanent needs like estate planning.
Before or shortly after having your first child. Key triggers: getting married, buying a home, having a baby, or taking on debt. The younger you are, the lower your premiums. Waiting even a few years can significantly increase costs.
Your family faces selling the home, depleting savings, forgoing college, and significantly reducing their standard of living. The surviving spouse may need to work additional jobs, reducing time with children during an already traumatic period.
Get a personalized family quote in minutes. See how affordable peace of mind can be.