Term life
A defined coverage period, often used for responsibilities that last a set number of years. Premiums, renewal and conversion provisions depend on the policy.
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A plan for the people who depend on you.
Life insurance can help your loved ones manage expenses, replace income and keep their plans moving forward after a loss.
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A conversation built around your needs.
Coverage needs change with family, work and financial responsibilities. We begin with your priorities, budget and existing coverage.
We can discuss term, return-of-premium, whole life, indexed universal life, children’s coverage and final expense. Each option has different costs, benefits and limitations.
Questions worth asking
- Who depends on your income or care?
- What would your family need to keep their home and cover daily expenses?
- How much coverage do you already have through work or personally?
First, understand the coverage types.
Term and permanent describe the structure of coverage. Return of premium is a feature of certain term options. Permanent coverage includes whole life and IUL. Your goal helps us decide which options deserve a closer look.
Return-of-premium term
Certain term options return eligible premiums when the required conditions are met. It generally costs more than comparable term coverage without this feature.
Learn moreWhole life
Permanent coverage with policy-defined premiums, death benefits and cash value features. Sustaining premiums and understanding loan provisions matter.
Learn moreIndexed universal life (IUL)
Permanent life insurance with flexible features and index-linked interest crediting. Charges, funding and non-guaranteed crediting require ongoing review.
Learn moreThen connect the coverage to your goal.
Mortgage protection and final expense describe what you want coverage to help with. Children’s coverage describes who is insured. Guaranteed issue describes an eligibility approach. These are starting points for a conversation, rather than interchangeable policy types.
Children’s coverage
Understand why coverage for a child may matter within your family plan.
Learn moreFinal expenses
Review the costs and resources your loved ones may face.
Learn moreHealth concerns
Explore guaranteed issue options and their graded benefit periods.
Learn moreWhat happens next?
Share what you would like help with through the client consultation form. Marquita will connect with you to discuss your needs and arrange the conversation. Submitting the form requests a consultation; it does not purchase coverage or confirm an appointment time.
Coverage when health is a concern
A previous decline may leave you wondering where to turn. Explore guaranteed issue options and the benefit limitations to understand.
Explore Guaranteed IssueWhat are living benefits?
Some life insurance policies offer riders that allow access to part of the death benefit during life after a qualifying illness or event. Eligibility, costs and payment amounts vary. Using the benefit reduces what remains for beneficiaries and may affect taxes or public benefits. These riders do not replace disability income or long-term care insurance.
A few things you may be wondering
I already have coverage through work. Why review it?
Start with that benefit. Review its amount, who is insured and whether it can continue after you leave. Personal coverage should address a need, not duplicate benefits without a reason.
What if I think insurance is too expensive?
Share a premium budget you could maintain. We can discuss available options and tradeoffs; eligibility and pricing depend on your circumstances.
Does reviewing coverage obligate me to buy?
No. You can learn and ask questions before deciding whether to apply.
A useful starting point
What might your coverage need look like?
Use DIME to add Debt, Income, housing and Education. We also include $20,000 for funeral expenses. Enter the figures that fit your situation; zero is an option when an item does not apply.
One example
$20,000 debt + $20,000 funeral expenses + $50,000 income × 10 years + $1,800 monthly rent × 12 × 10 years + two children with a $100,000 education goal each = $956,000. Subtract $100,000 in existing resources for an illustrative additional coverage gap of $856,000.
Use the estimate to start a conversation about your responsibilities, existing resources and budget.
Watch & learn
A closer look at the topic.
Living benefits
Learn about benefits that may apply to qualifying conditions. Eligibility, reductions to other benefits and availability depend on the policy.
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Educational videos selected by Marquita. The creator’s branding may appear; it does not change your relationship with Gaby Moses Business & Legacy Solutions. Product availability and terms must be confirmed for your situation.
Bring your questions. Let’s make your next step clearer.
Understand the options that fit your responsibilities and budget.
Request a Life Insurance Consultation