Protect the people who count on you

Life Insurance Products and Services

From affordable term coverage to lifelong policies that build cash value, we help you choose life insurance that fits your family, your health and your budget, and explain every option in plain English.

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Tell us a little about yourself. We’ll compare options and come back with a clear recommendation. No obligation and no pressure.
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Life Insurance Coverage We Provide

Six ways to protect your family. Each one solves a different problem, and many families combine two or more for complete coverage.

Term Life Insurance

The most affordable way to protect your family for a set period of 10, 20 or 30 years. If you pass away during the term, your beneficiaries receive a tax-free death benefit.

Whole Life Insurance

Permanent coverage that never expires, with premiums that stay level and guaranteed cash value that grows every year you own the policy.

Indexed Universal Life (IUL)

Permanent coverage with flexible premiums and cash value tied to a market index. You share in some of the upside while a floor protects you from market losses.

Mortgage Protection

Life insurance sized to your home loan, so your family can pay off the mortgage and stay in their home. Many plans include living benefits too.

Final Expense Insurance

Smaller whole life policies that cover funeral costs, medical bills and final expenses, so loved ones aren't left with the bill. Often no medical exam required.

Living Benefits

Riders that let you access part of your death benefit while you're alive if you're diagnosed with a qualifying critical, chronic or terminal illness.

What You Walk Away With

A clear plan you understand, and a policy that fits your family, not a one-size-fits-all product.
  • A personalized coverage amount based on your income, debts and goals
  • Side-by-side quotes from leading, highly rated carriers
  • A plain-English explanation of what each policy covers and costs
  • Full help with the application and underwriting
  • Beneficiary setup so the right people are protected
  • Annual policy reviews as your life changes

Who This Is For

Parents and Growing Families

If your family relies on your income, life insurance makes sure they can keep their home, lifestyle and plans for the future.

Homeowners

Protect the biggest investment you'll ever make, so a mortgage never becomes a burden for the people you leave behind.

Seniors and Pre-Retirees

Cover final expenses, leave a legacy and make sure your spouse is financially secure.

What clients say

We had put off life insurance for years because it felt overwhelming. NorthStar explained term and whole life in a way that finally made sense, and we were covered in under three weeks.
Jane D.
After we bought our house, I wanted to know my family could stay there no matter what. The mortgage protection plan was affordable, and I love that it includes living benefits.
John S.
No pressure at all. They compared several companies for me, found a policy I qualified for despite my health history, and handled all the paperwork.
Mary

Life Insurance Frequently Asked Questions

How much life insurance do I need?
A common starting point is 10 to 15 times your annual income, adjusted for your mortgage, debts, children’s education and savings you already have. We calculate a specific number for your family during a free needs review.
Term life is the most affordable way to cover a specific period, such as while children are young or a mortgage is being paid off. Permanent life insurance, like whole life or IUL, lasts your entire life and builds cash value. Many families use a combination of both.
Not always. Depending on your age, health and coverage amount, many carriers offer no-exam or simplified-issue policies that can be approved quickly.
Living benefits are riders that let you access part of your death benefit while you are alive if you are diagnosed with a qualifying critical, chronic or terminal illness. Availability and terms vary by carrier and state.
Often, yes. Carriers look at health conditions differently, so comparing several companies can make a big difference in approval and price.
Some no-exam policies can be approved within days. Fully underwritten policies typically take a few weeks, depending on the carrier and whether medical records are needed.
Many term policies can be converted to permanent coverage without a new medical exam, and you can add coverage as your needs grow. We review your policies with you every year.

Find Out How Much Coverage Your Family Needs

Fifteen minutes is usually enough to give you a clear number and the right type of policy. No pressure and no obligation, just honest guidance.
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