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Life insurance in Des Moines, Iowa
Life Insurance

Protect what your family is counting on

Life insurance, explained without the jargon

A life insurance policy is one of the most important pieces of a financial plan — and one of the most misunderstood. We sit down with Iowa families, walk through what term, whole, and universal life actually do, and help you pick a policy that fits your income, your debts, and the people you'd be leaving behind.

No pressure. No 90-minute sales pitch. Just a clear conversation about what you need and what it costs.

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Family protected by life insurance

We offer all kinds of life insurance

Term, whole, and universal life all serve different purposes. Some cover you for a set period at a low premium; some build cash value over your lifetime. We'll explain the trade-offs in plain English and help you pick the right one — for the right reasons.

Plan Types

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
FAQ

Frequently Asked Questions

What's the difference between term and whole life insurance?
Term life covers you for a set period — usually 10, 20, or 30 years — at a lower premium. It's the simplest, cheapest way to protect your family during your highest-earning years. Whole life lasts your entire lifetime, builds cash value you can borrow against, and costs more. Universal life sits in between with more flexibility around premiums and benefits. We walk you through which one fits your situation.
How much life insurance do I need?
A common rule of thumb is 10–12 times your annual income, but the right number depends on your mortgage, other debts, how many dependents you have, and what lifestyle you want them to maintain if you're gone. We map out your full picture in the consultation — there's no one-size-fits-all answer.
Is the life insurance through my job enough?
For most people, no. Employer-provided coverage is usually 1–2x your salary and disappears the moment you change jobs. A personal policy goes with you, locks in your rate at a younger age, and (if it's a permanent policy) builds cash value over time.
Can I get life insurance with a pre-existing condition?
Most people can. Rates depend on the condition, how well it's managed, and your overall health. We work with carriers that specialize in specific health profiles, so you don't get rejected for something a different carrier would have accepted.
How long does approval take?
Simple term policies can be approved in a few days with no medical exam. Larger or more complex policies typically take 2–4 weeks including the medical exam. We'll tell you what to expect upfront — no surprises.
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Helping Iowa families plan for what matters most

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