Life Insurance
Navigating Life Insurance
Life insurance feels complicated because there are so many flavors of it. The good news: most decisions come down to two questions — how long do you need it, and what should it do for you.
Term vs. permanent
Term covers a set number of years and is the most affordable way to protect a young family or a mortgage. Permanent policies are designed to stay in force for life and can build cash value over time.
Start with the goal
Income replacement, paying off a mortgage, funding college, covering final expenses, or leaving a legacy each point to a different policy size and structure.
Have questions about this coverage?
Chaz Toomey is here to walk you through your options — no pressure, just clear guidance.