Life insurance is the policy people buy and forget. But your life changes — and your coverage should keep up.
Review it when: you get married or divorced, have a child, buy a home, change jobs, start a business, or take on new debt. Any one of those can mean your old policy doesn't fit anymore.
Term vs. permanent: Term is affordable protection for a set number of years — great while the kids are young and the mortgage is big. Permanent builds cash value and lasts a lifetime. Most families need a conversation, not a guess.
It's cheaper than you think. A healthy 35-year-old can often get $250,000 in term coverage for less than a dollar a day. The biggest mistake isn't buying the wrong policy — it's waiting.
Year-end is a natural time to get your house in order. Call (704) 821-7630 and we'll review what you have — no pressure, no jargon, just straight answers.