Term Insurance
Term life insurance is the most affordable way to get the most coverage for the most affordable cost.
Term Insurance
Affordable Coverage
71%
of life insurance policies sold in the U.S. were term life policies
44%
of Americans overestimate the cost of term life by 3x or more
60%
of term life policies allow for conversion to permanent life before the term ends, often without another medical exam.
Term life insurance is a cost effective way to protect your life insurance for a limited number of years, generally 10-30 years. Depending on the carrier, you can convert it to a permanent life insurance policy before it expires. You may also get return of premium life insurance (ROP), meaning you can get your money back for premiums if you outlive your term.
What is Term Insurance
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Are You Protected In these 6 Areas?
Ensure a secure future by addressing key factors that protect your income, health, and lifestyle. Take control and optimize your retirement strategy
Family & Asset Protection
If you were to walk out of life, would your family be able to keep up their lifestyle for 5-10 years?
Wills & Trusts
Without a trust, your beneficiaries can end up dealing with probate for years and your assets can end up in public records. Instead put your assets in a trust.
Disability
If you end up with a disability can you maintain your expenses for 6 months to a few years without depleting your retirement & savings?
Retirement
Are you taking advantage of tax-free income options and guaranteed income? If not, look over our options.
Illness
If you're unable to work due to chronic, critical, or terminal illness, will you need to dip into retirement for expenses or are you protected for 6 months or longer?
Debt Free
If you're limited on future investments because you're eye high in debt, take advantage of debt settlement plans to reduce your debt.
Debt Free
If you're limited on future investments because you're eye high in debt, take advantage of debt settlement plans to reduce your debt.
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Understanding Term Life Insurance
Empower Your Future
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Life Plan
The Plan Ahead
Do you have a L.I.F.E. plan?
L
I
F
E
Some permanent life insurance products mirror the stock market so you have access to the gains of the market.
Permanent life insurance builds income you can access tax-free.
Your cash value is safe from stock market volatility.
Financial security in case of illness, disability, or death, as well as access to income during emergencies.
Yes
No
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see if you qualify!
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Our Clients, Our Promise
Testimonials
Daniella
Engineer
I trust Lailah and that she will look out for the client and make sure they get the right insurance for their needs.
Christopher
Software Developer
Life insurance is simply part of financial planning and one of the most important parts. Lailah made it simple to understand and to find the right product for my wife and myself.
Kristen
Stay at Home Mom
It's important for me to have peace of mind that if anything happened to my husband or me, our family would be okay. Lailah took her time to help us understand the different types of life insurance so could make an informed decision.
Services
More ways we can assist you
Retirement
Secure your future with a well-planned retirement strategy, combining savings, investments, and pensions to ensure financial independence when you stop working.
Tax-free Retirement
Maximize your retirement income by leveraging tax-advantaged accounts like Roth IRAs or specific life insurance plans, allowing you to enjoy a tax-free financial future.
Look into group life insurance plans for business owners and their employees.
Group Life Insurance