Let’s walk through the world of insurance.

Navigating the world of insurance can feel overwhelming—policies, premiums, deductibles, and fine print that never seem to end. It’s easy to feel lost in a system that isn’t always built with clarity in mind. That’s where we come in. Our mission is to make sense of the confusion, guiding you through the complexities with clear, honest support. We believe everyone deserves protection they can understand and rely on—without the stress. Keep reading to uncover the insights, answers, and confidence you need to make smart insurance choices for yourself and those you love.

The more you know the better

Term Life versus Whole Life

Term Life Insurance

  • Lasts for a set period (10, 20, or 30 years)

  • Only pays out if you pass away during that term

  • Usually cheaper than whole life

  • Great for temporary needs, like covering a mortgage or raising kids

Whole Life Insurance

  • Covers you for life, as long as you keep paying

  • Builds cash value over time (you can borrow from it)

  • More expensive, but offers lifelong coverage

  • Good for permanent needs, like leaving an inheritance or covering final expenses

What does the average funeral service cost?

Traditional Funeral with Burial

  • Average cost: $10,000 – $15,000

  • Includes: Funeral home services, embalming, viewing, casket, transportation, and burial

  • Cemetery costs: Headstone, burial plot, and grave opening/closing can add $3,000 – $5,000+

  • Total potential cost: $10,000 – $20,000+

  • Why it matters: A full-service burial can be a financial burden if not planned for in advance

Cremation Service

  • Average cost: $5,000 – $8,000

  • Includes: Basic service fees, cremation process, urn, and optional memorial service

  • Direct cremation (no service): $3,000 – $6,000

  • Optional add-ons: Viewing, flowers, keepsake urns, etc.

  • Why it matters: Cremation is typically more affordable but still requires planning to avoid unexpected expenses

How much can I expect to pay for a policy?

What Affects the Cost of Life Insurance?

  • Age: The younger you are, the lower your premium—rates rise with age

  • Health: Medical history, current conditions, and lifestyle (like smoking or weight) all impact cost

  • Coverage Amount: Higher payouts mean higher premiums

  • Policy Type: Term is more affordable than whole life

How Much Does Life Insurance Cost?

  • Term Life Insurance:

    • Starts as low as $10–$20/month for healthy individuals in their 20s–30s

    • Average range: $25–$50/month for a 20-year, $500,000 policy (healthy 30–40 year old)

  • Whole Life Insurance:

    • Starts around $100–$300/month

    • Average range: $200–$500+/month depending on age and coverage