Life Insurance
Right policy, right amount, right structure—coordinated with the rest of the plan.
Coverage you actually need. Nothing you don’t.
Life insurance is one of the most over-sold and under-understood products in financial services. The reality: there’s a right amount and a right structure for almost every family, and it usually doesn’t match what gets pitched.
Two main flavors
- Term insurance — pure coverage for a fixed period (10, 20, 30 years). Cheap, simple, and the right answer for most families during the income-replacement years.
- Permanent insurance (whole life, universal life, indexed UL, variable UL) — lasts your lifetime, accumulates cash value. Useful in specific situations: estate planning, business agreements, certain tax strategies. Not a great substitute for an investment account.
How we decide
We start with the problem the insurance is supposed to solve:
- Replacing income if a breadwinner dies
- Paying off the mortgage so the surviving spouse can stay
- Funding college if a parent isn’t there to write the check
- Equalizing inheritance among children
- Providing liquidity to pay estate taxes
- Funding a buy/sell agreement
Once we know the problem, the right product and structure usually become obvious.
Let's see if we're a good fit.
A 30-minute introductory call—no pressure, no obligation. We'll talk through your goals and whether working together makes sense.