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Clarify Your Life Insurance Goals
Understand the difference between income replacement, legacy planning, and debt coverage.
Compare Term vs Whole Life
Learn which policy type fits your budget and your long-term needs.
Get Prepared to Apply with Confidence
Know what info, questions, and documents to bring when you meet with an agent.
What's Inside the Life Insurance Checklist
A step-by-step breakdown of what to do before applying
A comparison guide for types of life insurance
Key questions to ask agents or providers
Important documents you'll need to have on hand
Peace of mind knowing you’re making an informed decision
Frequently Asked Medicare Questions
Term life provides coverage for a set number of years (e.g., 10, 20, or 30), typically with lower premiums. Whole life lasts your entire life and includes a savings component that builds cash value. The checklist helps you compare both based on your goals.
That depends on your income, debts, family size, and future plans. The checklist includes a simple formula and prompts to help you estimate your ideal coverage.
Many policies require a quick exam, but some “no-exam” policies are available.
Yes - most policies are flexible. You can often convert, update, or cancel your policy if your needs change. The checklist helps you ask the right questions upfront.
Your coverage ends at the end of the term unless you renew or convert. Darren can help how to plan for this and avoid losing protection when you need it most.
Absolutely. You can schedule a free 15-minute call with Darren to review your situation, explore options, and ask questions. No pressure - just helpful guidance. Just click on the button below.