Paycheck Protection

Life insurance designed to replace your income if you pass away. Ensures your family can maintain their lifestyle and pay bills without your paycheck.

The Problem

  • Your family relies on your income to pay the mortgage, car payments, and daily expenses
  • If something happens to you, those bills don't stop coming
  • Your family might have to sell the house, downsize, or change schools
  • Financial stress adds to the emotional burden of loss

The Solution

  • Paycheck protection replaces your income for years, not just months
  • Your family can keep their home and lifestyle
  • Kids can stay in the same schools and activities
  • Peace of mind knowing your family is financially secure

How Much Paycheck Protection Do You Need?

Monthly Income for 15 Years

Our paycheck protection pays out over a 15-year period. For example, $450,000 in coverage would provide your family with $3,216 per month for 15 years. This is perfect for hard working families who would prefer monthly installments instead of a lump sum payment to help maintain their lifestyle and budget responsibly.

Lump Sum Payout Option

Prefer a traditional lump sum? Both term and permanent life insurance can provide your family with the entire benefit amount at once. This approach is ideal for legacy planning - your family receives the full $450,000 immediately to help them get back on their feet while having substantial funds to save and keep for the future.

Legacy Planning: A lump sum gives your family maximum flexibility to invest, save, and plan for long-term financial security beyond just covering immediate expenses.

$250,000
Coverage Amount
$50-100
per month
$350,000
Coverage Amount
$65-150
per month
$450,000
Coverage Amount
$80-200
per month

Important: Quotes shown are estimates for healthy 40-50 year olds. Actual premiums will vary based on age, health, and other underwriting factors.

Types of Paycheck Protection

Choose the right type of life insurance to protect your family's income and maintain their lifestyle.

Term Life Insurance

High coverage amounts at low cost. Perfect for protecting your family during your working years when they need income replacement most.

Affordable Premiums: Lowest cost per dollar of coverage
Flexible Terms: 10, 20, or 30-year coverage periods
Conversion Option: Can convert to permanent insurance later
High Coverage: Can get millions in coverage at young ages

Best For: Young families, new homeowners, anyone with dependents who need income replacement during prime earning years.

Permanent Life Insurance

Lifelong protection with cash value growth. Higher premiums but guaranteed coverage that never expires, plus investment benefits.

Lifetime Coverage: Protection that never expires
Cash Value Growth: Builds tax-advantaged savings over time
Policy Loans: Can borrow against cash value for emergencies
Estate Planning: Tax-free death benefit to heirs

Best For: High earners, estate planning, those wanting lifelong coverage with investment growth potential.

Protect Your Family's Lifestyle

Your family shouldn't have to change their entire life if something happens to you. Paycheck protection ensures they can maintain the lifestyle you've worked so hard to provide.