Most families are either uninsured or underinsured — and they don't know it until it's too late. As an independent professional, we shop 30+ carriers to find you the right coverage at the right price.
Think of life insurance as a replacement for your paycheck. If you passed away tomorrow, your family would still need to pay the mortgage, cover childcare, pay off debt, and maintain their lifestyle — without your income coming in.
The question isn't whether you need life insurance. The question is: how much, which type, and from which carrier? That's exactly what we help you answer — at no cost to you.
⚠️ Did you know? The average American family would face financial hardship within 6 months of losing the primary earner. Life insurance through work alone typically covers only 1–2x your annual salary — most experts recommend 10–12x.
A simple starting point: multiply your annual income by 10–12. Then add:
Example: $80,000/year income × 10 = $800,000 + $250,000 mortgage + $50,000 college = $1.1 million coverage target
There's no one-size-fits-all answer. The right type depends on your age, income, goals, and how long you need coverage. We walk you through every option.
Pure protection for a set period — 10, 20, or 30 years. The most affordable option, ideal for covering your working years and major financial obligations like a mortgage or raising children.
Best for: Young families · Budget-conscious buyers · Mortgage protectionPermanent coverage with guaranteed death benefit and cash value growth. Your premium never increases, and the policy builds equity you can borrow against tax-free.
Best for: Legacy planning · Business owners · Wealth transferPermanent coverage with cash value linked to a market index (like the S&P 500) — with a 0% floor so you never lose principal. A powerful tool for tax-advantaged wealth building alongside protection.
Best for: High earners · Tax-free retirement supplement · Long-term planningA strategy that allows high-income individuals to leverage bank financing to fund large IUL policies — dramatically amplifying death benefit and cash value with limited out-of-pocket costs.
Best for: High-net-worth individuals · Business owners · Estate planning| Feature | Term Life | Whole Life | IUL |
|---|---|---|---|
| Coverage Duration | 10–30 years | Lifetime | Lifetime |
| Premium Cost | Lowest | Higher | Flexible |
| Cash Value Growth | None | Guaranteed | Market-linked + floor |
| Tax-Free Death Benefit | Yes | Yes | Yes |
| Tax-Free Loans/Withdrawals | No | Yes | Yes |
| Best For | Pure protection | Permanent + guaranteed growth | Protection + wealth building |
This is a simplified comparison. Your individual situation may affect which option makes most sense.
Much less than people expect. A healthy 35-year-old non-smoker can get $500,000 in 20-year term coverage for approximately $25–35/month. Permanent coverage costs more but also builds cash value. We shop multiple carriers to find your lowest rate.
Often yes. Different carriers underwrite conditions differently — one carrier might decline you while another offers standard rates for the same condition. As independent brokers, we know which carriers are most favorable for specific health situations.
Not always. Many carriers now offer no-exam coverage up to $1 million using accelerated underwriting and medical data. We'll find the fastest approval path available for your age and health profile.
Usually not. Employer coverage is typically 1–2x your salary, often not portable if you change jobs, and may not be sufficient for your family's actual needs. Owning your own individual policy gives you control and portability.
A captive agent works for one company and can only sell that company's products. An independent agent like Aria works with 30+ carriers and finds you the best option across the entire market — without loyalty to any single company.