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Term Insurance

We believe in the "Buy Term & Invest The Difference" Philosophy

 

Representing Various Life Insurance companies.
Our MoneyGuidePro® will help you know how much coverage you need.

HOW MUCH LIFE INSURANCE COVERAGE DO YOU NEED?


You may use our Request A Quote Section or: 

Call: (336) 803-4318

Email to set up an appointment or to receive more information

 

Don’t get stuck with a policy that doesn’t properly protect your family.

Don’t get stuck with a policy that doesn’t properly protect your family.

Term life policies are easier to understand and more affordable than whole life insurance. A 30-year-old male, for example, may pay around$4,675 a year for whole life versus only $242-$403 a year for term life. *

This cost difference allows you to invest the saved money and/or apply it toward a debt- bringing your financial wellness plan full circle.

*The Difference Between Term and Whole Life Insurance NerdWallet, March 29, 2017.

So, how do you determine the right amount of coverage?

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success. 

Death & Debt

This is the amount of money needed to pay death expenses and settle any remaining debt.

Income Replacement 

This is the amount of money needed to cover monthly living expenses for you surviving family.

Mortgage

This is the amount of money needed to pay off any outstanding mortgage balance

Education

This is the amount of money needed to pay for your child’s-or children’s-education

Liquid Assets (If Applicable)

This is the amount of money you currently have in the form of liquid assets.

Add these amounts together, and you can get an idea of how much coverage you need. And the good news is, with term life insurance, coverage is extremely affordable-typically a fraction of what most whole life premiums are.

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