Life Insurance
Life Insurance
Life insurance helps protect the people who depend on you. Mike explains the difference between term and whole life coverage so you can make a confident decision.
Start here
How much life insurance might your family need?
Four numbers, about twenty seconds. The DIME method is one simple way to estimate it: debts, income, mortgage and education.
Cards, loans, medical and funeral costs.
Counted for three years, so the family has time.
What it would take to pay the house off.
Counted at $50,000 each.
What it can include
Types of life insurance Mike can explain
Term and whole life insurance work differently. Here is the short version.
Choose any part and the quote form opens with it already noted.
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Term Life
Coverage for a set number of years, such as 10, 20 or 30. It is often lower in cost when you buy it.
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Whole Life
Permanent coverage designed to last your whole life, with level premiums and cash value that builds over time.
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Final Expense
A smaller whole life policy meant to help with funeral and end-of-life costs.
Read the overview
Why it matters
Why life insurance matters
Life insurance can help your family with funeral costs, debts, a mortgage or everyday living expenses if you are no longer there. The right amount and type depend on your situation, which is why a conversation usually helps more than a guess.
Term coverage lasts for a set period. Whole life coverage is designed to last your lifetime.
Answers
Life insurance questions
Plain-English answers to common questions. If yours is not here, call Mike or book a free consultation.
Term life covers you for a set number of years. Whole life is permanent coverage designed to last your lifetime and builds cash value over time.
It depends on your debts, income, mortgage and the people who rely on you. The estimate above is a starting point, and Mike can talk it through with you.
The benefit is paid to the people you name, and they can generally use it as they need, for example for final expenses, debts or living costs.
Get A Quote
A few details, and you are ready to talk it through
Choose what you would like a quote for, then add your name, a phone number and an email address. Those three details are all the form requires.
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Next step
One conversation can make your coverage easier to understand
Start with a quote request, or call Mike’s Connecticut office if you would rather talk it through first.