What it covers: A payout to your beneficiaries if you pass away during the policy term (term life) or for your entire life (whole/permanent life), which can also build cash value over time.
Who needs it: Anyone with dependents, debts, or financial obligations that would burden others if they were gone — especially parents, homeowners with a mortgage, or business owners.
How we help: We walk through term vs. whole life honestly, based on your actual family situation and budget — not which policy pays the highest commission (since we don’t work on commission).