What we cover · Life Insurance
Life Insurance
Life insurance is a vital tool for providing financial security and peace of mind to your loved ones in the event of your passing.
What it actually is
Life insurance replaces your income for the people who depend on it. Term coverage does one job — a payout if you die during the term — and for most families it's the simplest, most affordable way to make sure a mortgage or a childhood doesn't come apart on the worst day.
What it helps with
- Income replacement for a spouse or children
- Keeping a mortgage or rent payable if an earner is lost
- Final expenses, so grief never comes with a bill attached
Worth asking us
- Term versus whole life — and when each one honestly makes sense
- How much coverage your family would actually need, worked out from your numbers
- Whether coverage through work is enough (it usually ends when the job does)
The honest caveat
Every plan defines its own terms — what's covered, what's excluded, and what the words on this page mean in that contract. That's not small print to skim; it's the product. It's also exactly what we read with you, in plain English, before anything gets signed.
The other four
Hospitalization · Outpatient Care · Accident & Critical Illness · Short Term Disability