Life insurance that fits the life you actually have.

Start with what the money has to do: pay off the house, replace your income while the kids are home, cover school, clear debts and pay final expenses. Add those up, then subtract savings and any coverage you already have. We run that together in a few minutes and then see what fits the budget. There is no single right number, but there is a wrong one: zero.

Term covers a set number of years for the least money and fits needs that end, like a mortgage or raising kids. Whole life never expires and builds cash value, but costs more for the same amount. Many families pair a larger term policy with a small permanent one for final expenses. I show you both priced side by side.

No-exam options may be available depending on your age, the amount you want and your health history. The company decides from your answers and records instead of a nurse visit. Sometimes the no-exam price is close to the exam price, sometimes it is not. I tell you which before you apply.

Yes. Some of the companies I work with quote life insurance without a Social Security number; others require one. Tell me your situation, and if you have an ITIN keep it handy, and I will tell you which companies to quote. You never need a Social Security number just to ask.

Yes, with their consent and their signature on the application. Final expense policies are the common choice: simplified health questions, often no exam, and an amount sized to funeral, burial or repatriation and last bills. If your parent is older or has health conditions, the options narrow, so ask me early.

Name a primary and a contingent. A spouse or an adult child is typical. A minor child cannot receive the money directly, so if the kids are young we talk about how to set that up, and for anything complex you should also talk to an attorney. Update beneficiaries after any marriage, divorce or birth.

Key person life pays the business when an owner or essential employee dies, so it can cover payroll, debt and the cost of replacing that person. Buy-sell life funds the agreement that lets a surviving partner buy the deceased partner's share from the family. Your attorney drafts the agreement; I place the policy that funds it.

The policy document itself is issued in English, and that is the version that controls. I go through it with you in Spanish, line by line, and I handle service and claim questions in Spanish for as long as you have the policy. You are never on your own with the company.

Term policies usually have a grace period of about a month; miss it and coverage ends, and getting it back may require new health questions. Whole life with cash value has more options. If money gets tight, call me before you miss a payment. There is usually a way to keep something in force.