Life insurance isn’t just for the wealthy or the elderly—it’s a smart, affordable way to protect the people you love most. Whether you’re just starting a family or planning your legacy, we’re here to help you understand how it works.

• When should you get life insurance?
  The earlier the better. Younger = lower rates, and life changes fast—marriage, kids, buying a home. Each stage is a reason to revisit coverage.

• Why do you need it?
  It helps replace lost income, pay off debts, and ensure your loved ones can maintain their lifestyle. It’s not just about “what if”—it’s about peace of mind every day.

• How much is enough?
  A common rule of thumb is 10x your income—but every situation is different. We can walk through your needs and recommend what’s right for your family.

• Types of coverage

  • Term Life: Affordable, straightforward coverage for a set period.

  • Whole Life: Lasts a lifetime and builds cash value over time.

  • Universal Life: Offers flexibility as your financial situation changes.

With rising living costs around Lake Oswego and Portland, having a reliable safety net is more important than ever.

Life insurance isn’t one-size-fits-all. Let’s talk—schedule a quick call or stop by our office on Kerr Parkway. We’ll help you find the right plan to protect what matters most.