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How much life insurance do I need to keep my family "in its own world"? 
The answer to this question depends on what you want your life insurance to do for you. Most of our clients want to have enough life insurance to pay off their home mortgage, erase any car loans or credit card debts, cover their children's college education costs, and provide their surviving spouse with a monthly income. We'll help you to calculate these needs, then we'll compare solutions from several different companies to offer you the best 2 or 3 options.

What is Term life insurance and how does it differ from Permanent life insurance?
There are two main types of life insurance. Term Insurance pays out a lump sum if the insured dies during the fixed period of the policy. Permanent insurance does the same, and it also builds cash value during the insured's lifetime. 

Why do different people pay different levels of premium?
The amount you pay for your life insurance depends on your age, health, lifestyle, and occupation. So if you are older, have health problems, smoke cigarettes, and happen to work in a dangerous environment, you can expect to pay more for life insurance than someone who is younger, healthier, a non-smoker, and who works in a low-risk occupation.

What is Limited-pay Insurance?
Limited-pay life insurance all the premiums are paid over a specified period, after which no additional premiums are due to keep the policy alive.

Are the proceeds of a life insurance policy taxable?
Generally, life insurance proceeds aren't subject to income taxes. However, they may be subject to estate taxes, depending on who owns the policy.