Life Insurance
Life insurance is straightforward once you separate the two questions people tangle together: how much coverage your family would actually need, and what kind of policy makes sense for your budget. We will answer them in that order.
How much you need
A common starting point is ten to twelve times your income, but the honest version is arithmetic: what would it take to pay off the mortgage, cover the years of income your household would lose, handle final expenses, and fund whatever you had planned for your kids. Most people land somewhere they had not guessed.
Term versus permanent
Term insurance covers a set number of years and is dramatically cheaper, which makes it the right answer for most families covering a mortgage and child-raising years. Permanent insurance costs more and lasts your whole life, building cash value along the way — genuinely useful for estate planning, business succession, or a lifelong dependent, and oversold to plenty of people who did not need it. We will tell you which situation you are in.
Buy it while you are healthy
Rates are set by age and health at the time you apply, and locked for the term. Every year you wait costs money, and a diagnosis in the meantime can cost you the option entirely. If you have been meaning to get around to this, that is the whole argument.
You'll work with Pat or Spencer directly
Pat and Spencer are the agents here, so whoever quotes life insurance is the same person who answers when you call about it later. No call centers, no getting handed off, no explaining your situation twice. They'll work closely with you from the first question through every renewal after it.
Would rather not fill in a form? Call Pat directly at 952-457-5894 and give him your information over the phone. It takes about the same amount of time, and plenty of people prefer it — you're welcome to do it that way.
What we can cover
- Term life (10, 15, 20, and 30 year)
- Whole and universal life
- Final expense and burial policies
- Mortgage protection coverage
- Key person and buy-sell business coverage
- No-exam options for qualifying applicants
- Coverage needs analysis before we quote
Request a Life Insurance Quote
Tell us a bit about your situation and we’ll get back to you with real numbers. No obligation, and we never sell your information.