Life insurance and supplemental health coverage, explained in plain language.

If anyone depends on your income, yes. Life insurance replaces your income so your family doesn't have to change their lifestyle if you're gone.

Eligibility depends on the policy and application. I can help you understand the questions and review your options.

Your options depend on the policy. It may allow renewal or conversion to permanent coverage, subject to its deadlines and terms. You can also let coverage end if the need is gone. Review those options before the term or conversion period ends. I can help you check what your policy allows.

Term life covers a set period and can fit needs such as a mortgage or income replacement during working years. Whole life is designed for lifelong coverage and builds cash value, subject to the policy terms. The choice depends on how long you need protection and what you want the policy to do. The two types can also be combined.

Mortgage protection life insurance is generally optional. Check your loan documents for any insurance requirements. A personal life policy can name a family member as beneficiary, who can use the death benefit toward the mortgage or other needs. I help you review options from the carriers I work with based on your loan balance, term, and family needs.