A common starting point is 10 to 12 times your annual income, but the right number depends on your debts, dependents, and goals. I’ll help you calculate it.
Term covers you for a set number of years at a lower cost. Whole life is permanent and builds cash value. Many families use a mix, and I’ll explain which fits you.
Some policies require one and some offer simplified or no-exam approval, depending on the coverage amount and your health. I’ll point you to the easiest path that still fits your budget.
