Life insurance can feel overwhelming — there are dozens of product types, riders, and strategies. This guide helps you understand your options and make a confident decision.
Ask yourself: Who depends on my income? What debts would my family inherit? How many years until I'm financially independent? Do I want to leave a legacy or estate for my heirs?
Term is right for most people — it's affordable and provides maximum death benefit for the premium. It's ideal for income replacement during your working years.
Permanent life (Whole or Universal) makes sense if you have a permanent need — estate planning, a special needs dependent, or tax-advantaged cash accumulation.
A common rule of thumb is 10–12x your annual income. But the right amount depends on your debts, dependents, income, and financial goals. Peter does a full needs analysis at no charge.
Life insurance applications typically require health questions and may require a medical exam. Peter guides you through the underwriting process and shops your case to the carrier that's most favorable for your health history.