Term
Temporary need, lowest cost
Covers a mortgage, the years until the kids are through college, or a business loan. Simple, cheap, and it ends when the need does.
Best when: you have a defined obligation with an end date.
Life insurance & protection
Enough coverage. Not more than you need.
We start with the arithmetic of what your family would actually have to replace, then look at what you already own. Sometimes the answer is a smaller policy than you expected. Sometimes it's that you're already fine.
Permanent
Lifelong need, higher cost
For obligations that don't expire: a special-needs child, estate liquidity, a buy-sell agreement, or leaving something behind on purpose.
Best when: the need outlives any term you could buy.
Long-term care
The retirement risk people skip
Standalone or hybrid policies that pay for care at home or in a facility, so one spouse's care doesn't consume both spouses' retirement.
Best when: you're between 55 and 68 and still insurable.
How we size coverage
01Income your household would lose, and for how many years
02Debts that don't disappear: mortgage, business, co-signed loans
03One-time costs: education, final expenses, estate taxes
04Minus what you already have: group coverage, savings, survivor benefits
Already own a policy?
Bring it in. An in-force review tells you what it will actually pay, whether the premium still holds, and whether the beneficiary is still the person you'd choose today. There's no charge for this and no expectation that you change anything.
Scott can help you understand where your current coverage still fits and where your needs may have changed.
Request a policy reviewAll guarantees are subject to the claims-paying ability of the issuing insurance company. Policy loans and withdrawals reduce available cash values and death benefits, and may have tax consequences. Product availability and features vary by state. This page is general information, not a recommendation to buy or replace any policy.