Term, whole, or universal life — Jennifer takes the time to understand what you're protecting, walks you through how each option works, and helps you choose what makes sense for you.
So your family can keep up with bills if you're gone.
Help pay off or keep up with a mortgage.
Childcare, education, and the years in between.
So loved ones aren't handling expenses during a hard time.
Coverage for a set period, such as 10, 20, or 30 years. Typically the lowest starting cost for the most coverage. Good fit when the need has an end date, like a mortgage or raising kids.
Coverage for your lifetime with level premiums. Builds cash value over time. Costs more than term for the same coverage amount.
Lifetime coverage with more flexibility in premiums and death benefit. Builds cash value, and how that value grows depends on the policy type and interest rates.
There's no single right answer. Many people combine types. Jennifer will walk through the tradeoffs with you before you decide anything.
Product availability, features, and costs vary by carrier and by individual. Coverage is subject to underwriting.
A common starting point is the DIME method, which adds up four things: your Debt, the Income your family would need to replace, your Mortgage balance, and Education costs for your children.
The calculator gives an educational estimate, not a quote or an offer of coverage.
Just your name, phone, and email.
A real conversation about your goals, your family, and your budget.
She explains each one plainly so you can decide what's right, with no pressure.
Jennifer Lawler is a licensed insurance agent at The Scheiderich Agency and works directly with the agency's life insurance clients. She is appointed for property and casualty as well as life and health insurance.
Read Jennifer's full profileNeither is better across the board. Term usually costs less upfront for a set period; whole and universal last for life and build cash value. The right choice depends on what you're protecting and for how long.
Some policies require one and some don't. It depends on the coverage amount, your age, and the product. Jennifer will tell you what to expect for the options you're considering.
Some policies can be approved quickly; others take several weeks for underwriting. Jennifer will give you a realistic timeline for your situation.
No. The conversation and the quote comparison are free, with no obligation.
Just your name, phone number, and email. Jennifer will ask anything else she needs during your call.
Jennifer has your information and will reach out personally. If you'd like to talk sooner, call the office at 770-268-4418.
Try the life insurance calculator while you wait