Life Insurance
Make sure the people who depend on you keep their footing
Term, whole life and final expense coverage explained in plain language, with no obligation and no pressure — just the numbers that make sense for your family.
What it covers
Inside a life policy
Every policy is built from parts. These are the ones we will walk through with you before anything is signed.
Term life
The most affordable option — level coverage for 10, 20 or 30 years while the mortgage and kids are still there.
Whole life
Permanent coverage that builds cash value you can borrow against later.
Final expense
Smaller policies designed to cover funeral costs and outstanding bills.
Mortgage protection
Coverage sized to pay off the house so your family can stay in it.
Income replacement
Replaces the paycheck your household depends on for the years it is needed.
Child riders
Adds a small amount of coverage for children to an existing policy.
Why work with us
What you get with Elite Auto Insurance
- No-exam options available for many applicants
- Coverage that stays level while your premium stays level
- Beneficiary paperwork walked through with you
- Reviews after a marriage, birth or new mortgage
Se Habla Español
Common questions
Life insurance FAQ
- How much life insurance do I need?
- A common starting point is 10 times your annual income plus the mortgage balance and anticipated education costs. We will work through your actual numbers rather than a rule of thumb.
- Term or whole life?
- Term costs far less and covers the years your family is most exposed. Whole life costs more but never expires and builds cash value. Many families use a mix of both.
- Do I have to take a medical exam?
- Not always. Several carriers offer simplified-issue policies with health questions only, which can be approved in days.
Free quote
Request life coverage
A licensed agent will compare carriers and follow up. No obligation.