Life & Disability Insurance
Term and permanent life insurance plus short-term and long-term disability income protection — coverage from $25,000 to $10,000,000 across top carriers.
Life & Disability Insurance
Life insurance is one of the few places where shopping makes a huge premium difference for identical coverage. Healthy 35-year-old buying $500k of 20-year term? Premiums vary by 40% across carriers for the same policy.
We quote across AIG, Mutual of Omaha, Lincoln Financial, Transamerica, and Prudential, run the underwriting class estimate, and steer you toward the carrier most generous with your specific profile.
Alongside life insurance, we also place short-term and long-term disability income protection — coverage that replaces a portion of your paycheck if illness or injury keeps you from working. For most working adults, the odds of being disabled before retirement are higher than the odds of dying — disability coverage is a critical piece of the picture.
What's included
- Term life: 10, 15, 20, 25, 30-year
- Permanent life: Whole life, Universal life
- Short-term disability (income replacement up to ~6 months)
- Long-term disability (income replacement to retirement age)
- Coverage range: $25,000 – $10,000,000
- Health classes: Preferred Plus → Standard
- Multiple top carriers quoted side-by-side
- Underwriting strategy by carrier
When this is the right fit
- Getting married or buying a home
- First child or new dependent
- Existing term policy is near the end of its term
- Estate planning or business continuity coverage
Related Coverage
Related
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