This is the most important question, and the answer is unique for everyone. A good starting point is to think about covering your major financial obligations: paying off your mortgage, clearing any debts (like car loans or credit cards), and replacing your income for a number of years so your family can maintain their lifestyle. We can sit down with you and help you calculate a comfortable and appropriate amount for your family's needs here in Stuart or Palm City.

The simplest way to think about it is like renting vs. owning. Term Life is like "renting" protection. It's very affordable and covers you for a specific period (the "term"), like 10, 20, or 30 years. It's perfect for covering needs that have an endpoint, like a mortgage or raising children. Whole Life is like "owning." It's a permanent policy that lasts your entire life, and it also builds cash value that you can borrow against over time.

Most people are pleasantly surprised to find out that life insurance, especially Term Life, is much more affordable than they think. For a healthy young person, a significant amount of coverage can often be secured for less than the cost of a few cups of coffee each week. The final cost depends on a few key factors: your age, your health, the type of policy, and the amount of coverage you choose.

Often, yes, but not always. For many policies, a simple, free medical exam (a nurse comes to your home) is required, and this typically gets you the most coverage for the lowest price. However, we understand that's not for everyone. There are now many excellent "no-exam" policy options available that use a health questionnaire instead. We can help you find the right type of policy for your comfort level.