TRUTH: You’re never too young, too healthy, or too busy for life insurance.

no one knows when their time will come!

As independent licensed insurance brokers, we make sure you have protection in place for your dependents and loved ones. We provide life insurance solutions including mortgage protection, disability, retirement protection, term life, and more.

We offer competitive rates and have access to 30+ top carriers in the industry, giving you personalized coverage to fit your budget.

It’s quick to apply and easy to get, so there’s no excuse not to have it.

life insurance, made simple.

Temporary

Typically called “TERM”, it’s the cheapest option and protects you for a specific period of time (usually 20-30 years) to protect a mortgage or lost future income.

Permanent

Protects your entire life whether you die tomorrow or at 102, builds cash value that you can use while you’re alive. People use these for the “infinite banking” concept.

Supplemental

Pays out if you’re diagnosed with Cancer, Heart Attack, Stroke – or even provides disability income if you’re unable to work.

Things You Need to Know:

GH Life Agency is a BROKERAGE. So while we work WITH the best insurance companies to get the best prices and options, we don’t work FOR any insurance companies, we work for you!

001.

How much coverage do you need?

002.

How long do you need coverage to last?

003.

What can you afford?

Frequently Asked

There are 6 things:

  1. The amount of insurance coverage you want ($1 million is obviously going to cost more than $100,000)
  2. How long you want it to last (A permanent policy that never expires is going to cost you more than a policy that covers you for 20 years)
  3. Your age (The older you get, the more costly your premium will be – which is why there’s no better time than NOW!)
  4. Your biological sex (Women are cheaper. Always.)
  5. Your health (Healthy people cost less to insure than those with medical issues)
  6. Your lifestyle (Smoking, speeding, felonies, etc all increase the price)

This is simple to answer with another question:

How many years do you want your family to continue their current lifestyle before they have to consider what’s next?

Let’s say you make $75k/year, you provide the health benefits (which would have to be purchased if you died). You also fix some stuff around the house and maintain the lawn and cars (which would have to get hired out if you’re not around.)

So, we’ll round your total contribution to the household to $90k per year.

A $450k life insurance policy would cover your family for 5 years. A $900k policy would cover them for 10 years.

Then you should definitely fill out the form on this page for a FREE QUOTE!

Usually, I will recommend you keep your current policy and add an additional one for the difference needed. You are able to have more than one active life insurance policy at any given time – even with different insurance companies.

Nope! There are certain situations where a whole life policy makes the most sense, but I’m a problem solver.

I’m here to find the missing piece to your puzzle and what makes sense for you and your family’s situation, taking a lot of factors into consideration.

Most people do have some type of life insurance policy through their workplace, but there are 2 main problems with that:

  1. It’s (usually) not enough coverage
  2. It isn’t owned by you

Your work owns the policy, so you’re only covered as long as you work there. If you change jobs or are laid off, you no longer have life insurance!

A TERM LIFE policy is designed to protect you for a specified period of time, usually 20 to 30 years.

The idea here is that you are protecting your prime earnings years and larger liabilities (ie house). By the end of this policy, your house is likely paid off, and your other financial obligations are much less.

In most cases, people DO outlive their term life policies with nothing to show for it. The point was that the policy was cheap for a greater amount of coverage in the case something should happen. If you’re worried about this, you have 2 options:

  1. Purchase a Term Life Policy with a Return of Premium Rider, where you’ll get your premiums paid out to the company over the years paid back to you (usually at 75-100% of what you paid)
  2. Opt for a Permanent Policy (WHOLE LIFE or IUL), since these last forever.

We will need to talk in some capacity since life insurance is such a personalized thing customizable to your needs. But the good news is we are able to handle most of the process through text if you prefer.

Nope! It’s a lump sum payment made to the beneficiary, and usually TAX FREE.