For anyone someone depends on
Life Insurance
Rest easy knowing your loved ones are taken care of. We compare term, whole and universal policies across carriers, size the coverage to your actual obligations, and skip the scare tactics entirely.
5.0 on Google · 90 reviews (opens in a new tab)BBB A+ AccreditedIndependent — we work for youEst. 2016
Three kinds of policy
Term, whole, universal — the honest ledger
Most families start with term. The other two have real jobs for the right situations — here's the whole picture.
| Term | Whole | Universal | |
|---|---|---|---|
| How long it lasts | A set window — 10, 20 or 30 years | Your whole life, premiums fixed | Your whole life, with flexible premiums |
| Monthly cost | Lowest — the most coverage per dollar | Highest, but locked in | In between, and adjustable |
| Cash value | None — pure protection | Builds at a guaranteed rate | Builds with interest; can flex with you |
| Best for | Covering the years a family depends on your income | Lifelong obligations and estate planning | People who want permanent coverage with room to adjust |
How BBS helps
Sized to your life, not a sales target
We start from your obligations — mortgage, kids' ages, income to replace — then compare carriers for the coverage that answer requires. If the honest number is smaller than you feared, you'll hear that too.
Multiple carriers, one comparison
Independent means we quote across companies and show you the spread.
Paperwork and exams, wrangled
We schedule, chase and translate — you sign.
Reviews when life changes
New house, new baby, new business? We re-size the policy with you.
Asked across the table
Life insurance FAQ
How much life insurance do I need?
A common starting point is 10–12 times your income, but the real drivers are your debts, how many years of income your family would need to replace, and what big bills (mortgage, college) you want covered. We do that math with you, on paper, before quoting anything.
Term or whole — which one should I get?
Term buys the most coverage per dollar for a set window — usually the years a family depends on your income. Whole and universal cost more but last for life and build cash value. Most young families start with term; we’ll tell you honestly if you’re the exception.
What does it cost?
It depends on age, health, coverage amount and policy type — and for healthy adults, term coverage usually costs less than people guess. Quotes are free and comparing carriers is the whole point of using an independent broker.
Do I need a medical exam?
Many policies use one; a growing number don’t, in exchange for somewhat higher rates or lower limits. We’ll show you both routes and the price difference so the trade-off is yours to make.
Isn’t the life insurance through my job enough?
Employer coverage is usually one to two times salary and rarely follows you when you leave. It’s a good floor, not a plan — an individual policy fills the gap and stays yours.
My term policy is ending. Now what?
You generally have three options: convert to a permanent policy, re-shop a new term based on today’s needs, or let it lapse if the job it was doing is done. Call us before the deadline — conversion windows expire quietly.
