The right life insurance ensures your family can maintain their home, lifestyle, and future — even if you're no longer there to provide it.
Both incomes matter. If either parent passes, the family needs to replace that income to maintain the home, childcare, and lifestyle — without selling assets or moving.
A single parent carries both income and caregiving responsibility. Coverage must be substantial — replacing income AND childcare costs for many years.
The economic value of a stay-at-home parent — childcare, household management — can exceed $150,000/year in replacement costs. This role is often underinsured.
Just had a baby? Lock in a 20-year term policy while you're young and healthy. The rate you get today will be the rate you pay for the full term.
Income replacement for 10–30 years at the lowest premium cost
Learn More →Permanent coverage + guaranteed cash value for legacy planning
Learn More →Cash benefit after a covered accidental injury — for the whole family
Learn More →Lump-sum cash at diagnosis of heart attack, stroke, or cancer
Learn More →A common starting rule is 10–12× your annual income. For a family earning $75,000, that's $750,000–$900,000. Factors that increase the recommendation include: young children, a large mortgage, a non-working spouse, private school or college funding goals, and business debts.
Yes — both lives contribute financial value to the family. The working spouse's income needs replacing. The non-working spouse's childcare, household management, and caregiving contributions have real economic value — often $150,000+ per year to replace.
The best time is now, regardless of age. Life insurance premiums increase with age and declining health. A 30-year-old with young children in excellent health can lock in 20-year coverage at a rate that won't change — while they're at their most insurable.
Yes — children's coverage is available as a rider on adult policies or as standalone juvenile whole life. A children's term rider covers all children for one affordable premium. Juvenile whole life locks in permanent coverage at very low rates and builds cash value over decades.
Get a free quote in 2 minutes. A licensed Texas advisor will help you choose the right coverage for your family's situation.