Life Insurance
Keep your family's life on track if the unexpected happens.
Life insurance pays your family a death benefit — generally free of federal income tax — that can cover the mortgage, education and everyday bills. Some permanent policies also build cash value. Mandy compares policy types based on your budget, family and long-term goals.
Term Life
Coverage for a set period — such as 10, 20 or 30 years. It is the most affordable type of life insurance, a good fit while the mortgage is still being paid and children are growing up.
- Low premium for a high benefit
- Terms from 10 to 30 years
- Many policies can convert to permanent coverage
Whole Life
Lifetime coverage with a fixed premium and guaranteed cash-value growth. Often used for estate planning and leaving a set amount to loved ones.
- Coverage for life
- Premium never increases
- Guaranteed cash value you can borrow against
Indexed Universal Life (IUL)
Permanent coverage where cash-value growth is linked to a market index such as the S&P 500, with a floor and a cap. Premiums and benefits are flexible, and many policies include living-benefit riders.
- Cash value can grow with the index
- A floor means no negative index credits (policy charges still apply)
- Living benefits: access part of the death benefit for qualifying critical, chronic or terminal illness
How it works
- 1
Free consultation
Call, WeChat, or visit the office. We start with your family and budget.
- 2
Compare options
Plans from multiple carriers, explained in plain language.
- 3
Enroll & ongoing help
Help with the application, then renewals, claims and changes.
Common questions
How much coverage do I need?
A common rule of thumb is 10–15× your annual income, plus the mortgage balance and education costs. Every family is different, so Mandy can run the numbers with you for free.
Do I need a medical exam?
It depends on your age and the amount of coverage. Many carriers offer no-exam options for qualified applicants, with faster approval.
Can green card or visa holders apply?
Yes. Many carriers accept green card holders and some visa holders (such as H-1B or L-1). Requirements vary by carrier.
Not sure which option is right for you?
Consultations are free, with no obligation. 中文 or English.