A common guideline is 10-12x your annual income, but your actual need depends on debts, dependents, income replacement goals, and final expenses. Gladys or Luisa will help you calculate the right amount for your specific family situation.

Term life is best for most people who need maximum coverage at the lowest cost for a defined period (raising children, paying off a mortgage). Whole life makes sense if you want lifelong coverage plus a savings component. Our team will explain both clearly.

Often yes. Some conditions result in higher premiums or exclusions, while others have minimal impact. Certain carriers specialize in high-risk policies. Our team works with multiple carriers to find the best option for your health history.

Final expense (or burial insurance) is a small whole life policy ($5,000-$25,000) designed to cover funeral costs and end-of-life expenses. It's easier to qualify for and ensures your family isn't burdened financially.

Generally, the death benefit your beneficiaries receive is income tax-free. Cash value growth in whole life policies is also tax-deferred. Our team always recommends consulting a tax advisor for your specific situation.

Yes, you can update your beneficiary at any time on most policies. It's important to review beneficiaries after major life events — marriage, divorce, births, deaths. Our team can help you make updates quickly.