How much life insurance do I need?

A common rule is 10–12x your annual income, plus outstanding mortgage and future dependent costs (childcare, college). Your agent can model this at no cost.

Term or permanent — which is right?

Term is best for temporary, high-need periods (mortgage, kids at home). Permanent (whole or IUL) fits estate-planning or tax-advantaged savings goals.

Do I need a medical exam?

Not always — accelerated underwriting can approve healthy applicants up to $2–3M in 24–48 hours with no exam.

VoomZone

Coverage guide

Life Insurance

Term, whole, universal, and final-expense policies for income replacement and estate planning.

Who it's for: Adults with dependents, mortgages, business loans, or estate-planning goals; anyone 50+ wanting to cover final expenses.

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What you get

Term life: 10, 15, 20, 25, 30-year — the most affordable pure protection
Whole & universal life with tax-advantaged cash value
Final expense (guaranteed-issue) with no medical exam
Living benefits — accelerated death benefit riders for chronic/terminal illness

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