Life Insurance
Coverage built for the people counting on you.
Life insurance is one of those things people put off until something forces the issue. We make it simple. Tell us about your family, your debts, and your goals, and we pick the right kind of policy in the right amount.
What we cover
- Term life policies (10, 20, 30 year) for growing families
- Whole life policies that build cash value over time
- Final expense coverage for funeral and burial costs
- Mortgage protection plans tied to your loan balance
- Children's life insurance through SNPJ at pennies on the dollar
- No-medical-exam policies for fast approval
Why people call us
- 1.Independent. We shop the market, not one carrier.
- 2.Local. Real Pittsburgh agents, real conversations.
- 3.Free. Our service costs you nothing. Carriers pay us.
Ready to talk?
(412) 953-2830Term vs. Whole, which one fits?
Term life is straightforward. You pay a set premium for a set number of years, and if something happens during that window, your family gets the payout. It is the cheapest way to buy a lot of coverage. Whole life is permanent. It costs more, but it builds cash value you can borrow against, and it pays out whenever you pass, not just inside a fixed term.
- Term: low cost, high coverage, expires after the term
- Whole: lifelong coverage, cash value growth, higher premiums
- Most families need term during their highest-income years
How much coverage do you actually need?
The rule of thumb is 10 to 12 times your annual income, but that is a starting point, not a finish line. We look at your mortgage, any consumer debt, what college might cost for your kids, what your spouse would need to maintain their standard of living, and final expenses. The answer is usually a different number than people guess.
SNPJ for kids and grandkids
Through our partnership with the Slovene National Benefit Society, we write children's life insurance policies for pennies on the dollar. Lock in a low rate when they are young and healthy, and the policy follows them for life. It is one of the smartest ways to give a child a financial head start.
Carriers we work with
The carriers we write for life insurance.
We write across 30+ life carriers for term, whole life, final expense, and mortgage protection. These are the ones we lean on most.
Life Insurance
21 carriersCommon questions
Things people ask before their first call.
Not always. Many carriers now offer no-medical-exam policies up to certain coverage amounts. We will ask about your health and shop the policies that fit, so you do not waste time on applications that will not approve.
Ready when you are
The first call is free. The second one usually is too.
Whether you are turning 65, between jobs, or rethinking retirement, we will walk through your options without any pressure to enroll.