What term life can (and can't) do for you.

Term life is the kind most people already have. Usually through their employer or as their first private policy. It covers you for set numbers of years (10, 15, 20 sometimes 30) at a locked-in price. That's the guaranteed part.

After that? The policy doesn't disappear, but the cost can skyrocket. Most people let it lapse because it's no longer affordable.

Some term policies are renewable or offer return of premium, but those are less common, and most people don't know if their policy has that option. While term insurance doesn't build cash value, it can serve a smart purpose. If it's structured around your actual goals.

That's why we don't just point you to a product. We guide you to someone who can walk you through it, so you know what your buying and why.