The young family in East Haven who just had a baby and realizes one income covers daycare and the mortgage — and the other isn't enough alone.
New parents · TermThe amount and type are different conversations. Term, whole, final-expense — we'll tell you what fits, what doesn't, and how much. We shop the market and quote across carriers. Honest about tradeoffs.
The young family in East Haven who just had a baby and realizes one income covers daycare and the mortgage — and the other isn't enough alone.
New parents · TermThe self-employed plumber in Mystic who carries no employer life insurance and has a wife and two kids in school depending on the business income.
Self-employed · TermThe grandparent in Old Saybrook who wants to leave $15,000 to cover funeral costs and not burden the kids — and is tired of seeing TV ads for "guaranteed acceptance" at five times the rate we'd quote.
Final expense · Whole life small faceThe high-earner in Madison with a 20-year term running out and a kid still in college — weighing whether to renew, convert, or simply self-insure.
Renewing term · Segment BCoverage for a fixed term (10, 20, 30 years). Cheapest dollar of coverage you can buy. The right fit for most working parents and homeowners.
Read about term 02Coverage for life, with cash value that grows over time. More expensive per dollar of coverage. Right for specific estate-planning and legacy situations.
Read about whole life 03Smaller whole-life policies (typically $5K–$25K face amount) designed to cover funeral and burial costs. Modest premiums for older applicants.
Read about final expenseWorking out how much coverage you actually need? The math takes thirty minutes — mortgage, income replacement, future college, minus what you already have. Free, no follow-up calls you didn't ask for.
Run the numbers →If you don't need it, we say so.
If you're single, no kids, no debt, modest assets, no one depending on your income — we'll tell you you don't need life insurance right now. We'd rather you remember us when your situation changes than sell you a policy you don't need.
Term first. Almost always.
For most working families on the shoreline, the right answer is a long-term term policy at a face amount that covers the mortgage, college, and a few years of income replacement. We start there and only consider whole life when there's a specific reason.
We shop the market.
We're appointed with multiple life carriers. Underwriting outcomes vary dramatically by carrier — the same applicant can get a "preferred" rating from one and a "standard" from another. We know which carrier is friendlier to which conditions.
A reasonable starting point: cover the mortgage balance, plus 8–10 years of income replacement, plus future college costs if you have kids, minus existing assets. For a Madison family with a $400K mortgage, two kids, and one earner pulling $90K, that's typically $1M–$1.5M of term. Read more in our how-much-do-I-need guide.
Term, almost always, for most situations. Term is dramatically cheaper per dollar of coverage; you can typically get $1M of 20-year term for $40–$70/month for a healthy 35-year-old. Whole life is right for specific situations — estate-planning needs, business buy-sell agreements, special-needs trust funding, and final-expense-style policies for older applicants.
Most carriers can still write you, just at a different rating class. We know which carriers are friendlier to common issues — controlled diabetes, prior cardiac events, BMI questions, treated mental health. There's almost always a carrier that will write something. We get realistic about expectations up front.
Employer group life insurance is a nice supplement but rarely enough on its own. It's typically 1–2x salary, doesn't move with you when you change jobs, and disappears entirely if you leave. We treat employer coverage as a bonus on top of personally-owned term.
One conversation. We'll quote across carriers, tell you what amount makes sense, and let you take the quote home to think about. No pressure.
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