Often it isn't. Many employers provide coverage equal to one or two times your salary, while families with a mortgage and children may need far more. Workplace coverage also usually ends if you leave or lose your job. Try the coverage check above, then let's review it together.

Term life covers you for a set number of years, such as 10, 20, or 30, and is usually the most affordable. Permanent life covers you for your whole life and can build cash value you may be able to use later. Many families use term for the high-need years and permanent for lifelong goals.

It depends on your income, debts, mortgage, and the goals you have for your children. A common starting point is the DIME method used in our coverage check. We'll fine-tune that number in your strategy session.

It's a contract with an insurance company that can earn interest based on a market index, like the S&P 500, without putting your principal at risk of market losses. In exchange, gains are limited by caps or participation rates, and early withdrawals may have surrender charges.

A smaller whole life policy, often $5,000 to $50,000, meant to cover funeral costs and final bills. Many plans have simple health questions and no medical exam.

A settlement company negotiates with your creditors to accept less than the full balance. It can lower what you pay, but it usually lowers your credit score for a time, involves fees, and forgiven debt may be taxable. We'll explain all of this before you decide.

We talk about your family, goals, and current coverage, then explain your options. There's no obligation. Detailed financial and health information is collected later through a secure intake process, never through this website.

Yes. We meet clients where it's convenient for them, at our Houston office or on the go. We're licensed life insurance agents in 18 states: Alaska, Alabama, California, Georgia, Louisiana, Maryland, Michigan, Mississippi, Nevada, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Texas, and Virginia. Health insurance is available to Texas residents. Many of our clients come to us through referrals and word of mouth from families we've already helped.