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The amount of life insurance needed is different for everyone. Really it all depends on your goals, your family, and the expenses your family needs to cover once you or your spouse are no longer there to support them. If your plan is to just cover end-of-life expenses, you may just want funeral and burial expense insurance. But if you want to help pay off a mortgage, tuition, or other large costs, you might want something more like a TERM or WHOLE LIFE policy. A basic guideline for your life insurance limit is seven to 20 times your annual salary, but this depends on age and other circumstances.

Term Life Insurance provides coverage at a fixed payment schedule for a predetermined period of time (usually 10, 20, or 30 years). After the period expires, the policy is terminated. This is also typically the least expensive way to purchase a substantial death benefit right when your family needs it most.

Whole Life Insurance provides coverage from the day you're approved until your death. If you begin coverage when you're young and healthy, it's a very affordable option with guaranteed coverage as long as you're around. Applying for whole life in your 50s, however, is a much different, and expensive, story.

We'll work with you to figure out the right kind of Life Insurance policy best for you and your family...and one that fits your budget.