Life insurance is a contract with an insurance company that provides a sum of money to your beneficiaries upon your death. It's essential because it ensures financial security for your loved ones, covering expenses like mortgage payments, education, and daily living costs in your absence.

The amount of coverage you need depends on factors like your income, debts, lifestyle, and future financial goals. A general rule of thumb is to get a policy worth 10-15 times your annual income to adequately protect your family's financial future.

Yes, you can still get life insurance if you have a pre-existing medical condition. However, the availability and cost of coverage may vary based on the severity of the condition and the insurer’s underwriting policies. It’s important to disclose all health information accurately when applying..

We offer several life insurance plans that don’t require a medical exam, using your application and existing medical information to determine eligibility. However, opting for a medical exam may qualify you for better rates, and higher coverage amounts might necessitate additional medical testing. All plans are designed to be as accessible and flexible as possible to meet your needs.

Employer-provided life insurance is a great benefit, but it often comes with limitations, like lower coverage amounts and the risk of losing coverage if you change jobs or retire. As you get older, you may no longer have access to an employer plan and might face challenges getting new coverage due to age or health issues that have developed over time. Having your own life insurance policy ensures you maintain adequate and continuous protection for your loved ones, regardless of your employment situation.