Life insurance built around the people who count on you.

Term covers a set number of years and is the simplest way to replace an income. Permanent coverage, like whole life or indexed universal life, is designed to last your lifetime, as long as premiums are paid, and can build cash value. Final expense is a small policy for the funeral and last bills. Most families need one or a mix; the adviser works out which.

Start from income times years. Ten years is the most common target; five if you have savings, fifteen if the kids are young. Our questionnaire builds the number from your own income, and the adviser adjusts it for debts, savings, and coverage you already have.

Not to see your number. Whether a policy needs one depends on the carrier, the amount, and your health. Many policies use a health questionnaire instead of an exam. The adviser will tell you which options apply to you.

Rates depend on your age, health, the amount, and the kind of coverage. There's no one-size number, which is why a licensed adviser quotes you after a real conversation rather than a website guessing.

Whoever you name as beneficiary: a spouse, children, a parent, or a trust. It's paid directly to them, generally free of income tax, and they decide how to use it.

Then the conversation is about whether it's enough and whether it's the right kind. Work coverage usually ends with the job; an old policy may be sized for a life you no longer have. Sometimes the answer is that you're fine, and the adviser will say so.

No. Protect Your Kin helps you work out what your family would need, and a licensed adviser looks at your whole picture and walks you through the coverage that fits. We don't issue policies, set rates, or make coverage decisions.

A licensed adviser reviews your request and reaches out by text or call. There's no fee and you're never obligated to buy. You can stop contact at any time by replying STOP.