08/05/2026
Coverage through work is like building your dream on a rented foundation. The second you quit, get laid off, or retire, it's gone, right when your family still needs it standing.
Here's what owning your own foundation actually costs: $58–$110 a month gets a healthy 36-year-old anywhere from $800K to $1.5M in coverage, locked in for 30 years. No landlord. No move out notice.
The number on your policy would look different, age, health, and coverage amount all shift the price. The only way to know your real number is to run it.
Send me a message or give me a call and I'll walk you through your options. No pressure, just numbers. Takes about 10 minutes.