Life insurance
Look after the people who depend on you.
Life insurance replaces what your income and care would have provided. Ernest helps you work out how much coverage makes sense, for how long, and which type fits your plans.
Coverage options
What it can cover
Most life insurance falls into two families. Ernest will explain how they differ and help you decide whether one, the other, or a mix makes sense.
Term life
Coverage for a set number of years, such as 10, 20 or 30. Often the most affordable way to protect a family while children are young or a mortgage is being paid.
Whole life
Permanent coverage that lasts your lifetime as long as premiums are paid, and builds cash value over time.
Universal life
Permanent coverage with more flexibility in how premiums are paid and how the death benefit is set.
Final expense
A smaller permanent policy meant to cover funeral costs and final bills so family members aren't left with them.
Questions Ernest can help you think through:
- How much coverage is enough?
- How long do you need it?
- Who should be the beneficiary?
- Does coverage through work go far enough?
- Can a policy be converted later?
- How does health affect the price?
Who it's for
Is this a fit for you?
- Parents with children who rely on their income
- Homeowners who want the mortgage covered if something happens
- Business owners planning for a partner or key person
- Anyone who only has life insurance through an employer
Why an independent broker
More than one company. One advisor.
- Several companies, one conversationErnest isn't tied to one insurance company. He works with more than 100 companies and specialty markets, so he can compare options for you.
- Advice that works for youErnest's job is to find coverage that fits your situation, explain the trade-offs plainly, and leave the decision with you.
- Someone to call laterWhen something changes, you call the same person who already knows your policies, and he can help you start a claim with the insurance company.
How to request a quote
Three steps, no obligation
- 1
Share the basics
Answer a few short questions in the Life quote request. It takes about a minute, and nothing sensitive is needed yet.
- 2
Ernest reviews it
Ernest reviews your request and contacts you directly by phone or email.
- 3
Compare and decide
You get options explained in plain language. There's no obligation, and coverage only starts once you confirm it with Ernest.
General information only. Coverage is subject to the terms, conditions and exclusions of the actual policy, and not every option is available from every company. Read the full disclosures.