Hearts First
Types of coverage
Three shapes of protection. One of them fits you.
Term life
Best valueCoverage for a set number of years — usually 10, 20 or 30. The most protection per dollar, ideal while you still have a mortgage or kids at home.
Whole life
Lasts your whole life and builds cash value you can borrow against. Higher premium, but the rate is locked and the policy never expires.
Final expense
A smaller policy built to cover a funeral, burial and last medical bills. Simple health questions, no exam, and acceptance ages up to 85.
How much do I need?
We add up what your family would actually have to cover
No formula on a website can answer this. On one call we walk through four numbers together and land on a figure you can genuinely afford.
- The income your household would lose
- Debts that don’t disappear — mortgage, car, cards
- Final expenses and any medical bills left behind
- What you already have through work or savings
Three reasons people wait — and why they don’t hold up
“It’s too expensive.”
Most people overestimate the cost by several times. A healthy 35-year-old often insures a family for less than a phone bill.
“I have coverage at work.”
Group coverage is usually one or two times your salary and ends the day the job does. It’s a good start, rarely the whole answer.
“I’ll do it later.”
Price is set by your age and health on the day you apply. Waiting only ever costs more — and a new diagnosis can close the door entirely.
FAQ
Life insurance questions
Do I need a medical exam?
Often not. Many carriers now approve coverage from health questions alone, sometimes the same day. If an exam gets you a better rate, we’ll tell you honestly.
Can I get covered with diabetes or high blood pressure?
Usually yes. Controlled conditions are priced very differently from carrier to carrier — that’s exactly why shopping several at once matters.
How fast does my family get the money?
Once the claim and death certificate are filed, most carriers pay a named beneficiary within a few weeks — tax-free, and without going through probate.
What happens if my term policy runs out?
Most term policies can be renewed or converted to permanent coverage without new health questions. We flag your conversion deadline well before it passes.
Fifteen minutes today. Decades of protection.
Tell us who depends on you and we’ll come back with real numbers from several carriers — free, and with no obligation.