Term Life Insurance
10, 15, 20, 25, or 30-year level-premium policies. The most affordable way to cover a temporary need — a mortgage, your children's dependent years, income replacement during your peak earning decades.
Life insurance designed around the people who depend on you
Life insurance is one of the most important financial decisions you'll make and one of the most confusing. We cut through the jargon, run the math on what you actually need, and shop 25+ carriers for your best rate.
Coverage options
Whole Life Insurance
Permanent coverage with a guaranteed death benefit, fixed premiums, and cash value that grows tax-deferred. A foundational tool for estate planning and intergenerational wealth transfer.
Universal Life Insurance
Permanent coverage with flexible premiums and adjustable death benefits. Sub-types include indexed UL (cash value tied to market index returns) and guaranteed UL (lifetime guarantee at lower premium).
Final Expense Insurance
Smaller permanent policies ($5K–$25K typical) designed to cover funeral, burial, and end-of-life expenses. Usually issued without a medical exam, with simplified underwriting.
No-Exam Life Insurance
Accelerated underwriting policies that approve you in days based on prescription history, MVR, and medical records — no exam required. Higher premium than fully underwritten, but vastly faster.
Survivorship Life Insurance
A single policy covering two lives that pays out on the second death. Common in estate planning to fund estate tax obligations or equalize inheritance among heirs.
Why clients choose Geneva Insurance Group
Real Needs Analysis
We don't guess at coverage amounts. We walk through your income, debts, dependents' future needs, college funding goals, and your spouse's earning capacity to produce a coverage number anchored in your actual life — not a one-size-fits-all rule.
True Multi-Carrier Shopping
Life insurance pricing varies enormously by carrier and by health profile. The cheapest carrier for a 35-year-old non-smoker is often very different from the cheapest for a 50-year-old with treated hypertension. We know which carriers are most favorable for which profiles.
Underwriting Quarterback
If you have any health complexity — high BMI, treated conditions, family history, prescription medications, prior denials — we pre-shop you with multiple underwriters informally before submitting an application. This protects you from declines that would otherwise show on your MIB record.
Estate Planning Integration
For clients with trusts or larger estates, we coordinate with your attorney to ensure policies are properly structured — including trust ownership (ILIT), beneficiary designations, and ownership for estate tax efficiency.
Frequently asked questions
How much life insurance do I need?
A common starting point is 10–15× your annual income, but the real answer depends on your debts, dependents' ages, future obligations like college funding, your mortgage balance, and your spouse's earning capacity. For most working parents with young kids, $500K–$1.5M of term life is appropriate. We run a detailed needs analysis so your number is grounded in your actual situation, not a rule of thumb.
Should I buy term or whole life insurance?
For most people in their 30s and 40s, term insurance is the right primary protection — it's the most affordable way to cover the years when your family is most dependent on your income. Whole life makes sense for estate planning, supplemental cash-value accumulation, or guaranteed lifetime coverage. Many clients ultimately have both: a large term policy for income replacement and a smaller permanent policy for legacy or final expenses.
Can I get life insurance with health issues?
In most cases, yes — different carriers underwrite very differently. A condition that leads to a decline at one carrier may be standard-rated at another. We pre-shop you informally with multiple underwriters before submitting any application, which protects your MIB record and dramatically improves the odds of a favorable offer.
How long does it take to get life insurance?
No-exam (accelerated underwriting) policies can approve in 24–72 hours for healthy applicants. Traditional fully underwritten policies typically take 3–6 weeks because of the paramed exam, attending physician statements, and underwriter review. We can usually issue a temporary binding coverage within days while the full underwriting completes.
What is the cheapest life insurance?
For healthy non-smokers, term life is dramatically cheaper than permanent coverage — a healthy 35-year-old can typically get $500K of 20-year term life for $20–$30/month. Within term, prices vary 30%+ between carriers for identical coverage. We shop the entire market on your behalf to find the lowest rate for your specific health profile.
Related coverage
Term Life Insurance
Affordable level-premium term life — 10, 20, or 30-year coverage for your family's most financially vulnerable years.
Whole Life Insurance
Permanent lifetime coverage with guaranteed death benefit, fixed premiums, and tax-deferred cash value growth.
Health Insurance
ACA marketplace, individual, family, and Medicare supplement plans tailored to your household and budget.