Life Insurance
Life insurance is the coverage most families mean to get around to and never do. We make it simple: a short conversation about your actual situation, then real options compared side by side, not a confusing product pitch.
What it covers
- Term life (10, 20, or 30-year level premium)
- Whole and universal life (permanent coverage with cash value)
- Final expense policies for smaller, simpler needs
- Business-purpose life insurance (key person, buy-sell funding)
Who it's for
Anyone with people who depend on their income, a mortgage they don't want left to a spouse, or a business partnership that needs a funded buy-sell agreement.
Why Firehouse
We compare across multiple carriers instead of pushing one company's proprietary product, and we'll tell you plainly if term coverage solves your actual need instead of upselling permanent coverage you don't need yet.
Frequently asked questions
How much life insurance do I actually need?
A common starting point is 10-12x your annual income, but the right number depends on debt, dependents, and other savings, your advisor will work through the real math with you.
Is term or whole life better?
Term is typically the right fit for pure income-replacement needs at the lowest cost; whole life makes sense for specific estate or business-planning goals. We'll tell you honestly which applies to your situation.
Do I need a medical exam?
Many carriers now offer accelerated underwriting with no exam for qualifying applicants, your advisor can tell you which carriers you'd likely qualify for.
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