Planning
Two estimates. Then a conversation.
These tools do not quote a premium and they do not open an application. They give us a range so the first meeting is about your household, not a blank page.
How much life insurance is in the neighborhood of enough?
Income replacement plus debts, school, and final expenses, minus what you already own. It is the method I start with at the table — not a multiple pulled from a brochure.
Take-home is finer; gross is fine if that is what you know.
College or trade school you would still want funded.
Funeral, medical, and the first unplanned bills. $15,000 is a common placeholder.
Work coverage plus any personal policies.
Results stay on this device. They are not stored as an application and they are not a policy illustration. Guarantees on any annuity or life contract are only as strong as the issuing insurer.
Have a range? Let’s pressure-test it.
Bring the numbers from this page. I will tell you where they are generous, where they are thin, and what a real premium looks like.