Why work with a Give Your Kid A Million
Independent Insurance Agent?

Independent agents are free to find you the best rates across multiple providers.

We put your needs first, not the agenda of a big insurance company.

Convenience

We make it easy for you. Our agents have all the tools to help you with your purchase whether you choose
to buy online, over the phone or in person.

Choice

We’re not tied down to only one company. We’ll listen to your needs and give you options.

We offer term life insurance and whole life insurance (and everything in between).

Savings

There is often a big difference in price between insurance companies for the same overage.

We will shop dozens of companies to get you the best value.

Give Your Kid a Million

Helping you navigate life insurance options

Term Life Insurance
vs.
Whole Life Insurance

What’s going on in your life?

Your life stage can often influence what kind of life insurance is best for you and your family

Newlyweds

Sharing your life with someone often times leads to additional financial commitments like a car loan, mortgage or small business loan.  In addition, spouses bear the responsibility for funeral costs and perhaps unpaid medical bills.  Life insurance can remove the financial burden for your spouse while they make plans for the future.

Term life insurance is a good choice if you are a young, newly married couple who have added commitments through marriage.

New Baby

If you’re like most parents, you want to make sure your children are taken care of financially whether you live to be age 100 or die tomorrow.  The need for life insurance is the greatest when children are young. Life insurance allows you to leverage your money and make sure that no matter what happens to you, or when, your children will be able to continue in the lifestyle you want for them.

Term life insurance is the best choice if you want to maximize coverage at the lowest cost.

Growing Family

As time goes by and you and your children get older, the need for life insurance typically decreases.  However, you may still have an outstanding mortgage or living expenses that your spouse could not cover without you.  In addition, college funding could be in jeopardy for dual income households should something happen to one of you.

Term life insurance is a good choice to bridge the temporary need for additional life insurance through your children’s teen years and into college.

Whole life insurance is a good choice if you need additional coverage that will continue past the child rearing years and well into retirement.

Seniors

Most people begin to understand and accept their own mortality as they get older.  During the “golden years,” life insurance can provide added peace of mind and financial security if you want to cover funeral expenses and unpaid medical bills.  Also, it can lessen the impact on spendable income for your surviving spouse, pay off outstanding debts such as a new home, second vacation home or recreational vehicle.  As well,  life insurance can be used as an estate planning tool with an impact on assets you may want to leave for your children or grandchildren.

Whole life insurance is an appropriate choice if you want to cover final expenses or for estate planning.

Term life insurance can be used to cover short term notes or debt that will be paid off within 10 years.

Find a Local Agent Now

Browse the Agent Directory