Real Answers To Real Questions.
Got questions? You’re not alone.
Insurance can feel confusing, but it doesn’t have to be.
Here, you’ll find straightforward answers to the questions people ask most — about coverage, costs, and how it all works in real life.
Insurance You Can Understand.
Every answer is written in plain language, so you can make confident, informed choices about your protection and your future.
Because understanding your insurance shouldn’t feel like studying for a pop quiz.
Is life insurance expensive?
Not necessarily. Life insurance can be surprisingly affordable — especially when you start young or choose term coverage.
Plans are based on your age, health, and the amount of protection you want. There’s an option for almost every budget.
I have life insurance through work. Isn’t that enough?
Workplace insurance is a great start, but it often ends when your job does — and usually covers only 1–2 years of income.
Personal coverage stays with you no matter where you work and can be customized to your family’s real needs.
What’s the difference between term and permanent life insurance?
Term Life: Covers you for a set period (e.g., 10, 20, or 30 years). It’s usually more affordable and great for things like mortgages or young families.
Permanent Life: Lasts your entire life, builds cash value, and can be part of long-term financial planning.
A short conversation can help you figure out which fits best — or if a mix of both makes sense.
Do I need life insurance if I’m single or don’t have kids?
Yes — if anyone relies on you financially or you’d want to cover final expenses, debts, or support loved ones.
It’s also an easy way to lock in low rates while you’re healthy.
I’m self-employed. Can I still get coverage?
Absolutely. Self-employed people often benefit most from personal protection since there’s no employer plan.
You can design coverage that replaces income, protects your business, or helps your family manage if something happens to you.
How does mortgage protection work?
Mortgage protection insurance is life insurance designed to pay off (or help cover) your mortgage if you pass away or become critically ill.
Unlike the bank’s version, you own the policy — not them — so your family keeps control of the money and how it’s used.
What are “living benefits”?
Living benefits refer to coverage you can use while you’re still alive — like critical illness, disability, or long-term care insurance.
They help replace income, pay bills, or cover medical costs if you’re seriously ill or injured.
How much coverage do I really need?
A simple rule of thumb is 10–12 times your annual income, but the best approach is to look at your actual needs — debts, income replacement, children’s education, and future goals.
But it’s best to work together through a needs-based analysis to make sure your plan fits you (not someone else).
I’ve had health issues. Can I still get life insurance?
In most cases, yes. There are plans designed for a range of health histories, including simplified or guaranteed coverage options.
It’s always worth asking — you might be surprised at what’s available.
What happens if I can’t afford my payments later?
You always have options. Depending on your plan, you can reduce coverage, pause contributions, or explore other strategies.
The key is to talk before you cancel — that’s what I’m here for.
No Sales Pressure.
Just Straight Answers And Real Support.
Whether you’re just starting out or reviewing what you already have, I’ll help you make sense of it all — and take the next step confidently.