Life Insurance
Protect the People Who Matter Most
Plan Today for Peace of Mind Tomorrow
Life insurance isn’t just about preparing for the unexpected—it’s about making sure your loved ones are taken care of no matter what. At Freedom for Living Financial Services, we help you navigate your options and choose a plan that fits your family’s needs and your budget. Whether you’re starting a family, paying off a mortgage, or planning your legacy, we’ll guide you through every step with clarity and care.
How We Help With Life Insurance
Coverage Tailored to Your Life
We’ll help you understand your choices and select the right policy to protect your family’s financial future.
Term Life Insurance
Affordable protection for a set period, ideal for covering temporary needs like a mortgage or income replacement.
Permanent Life Insurance
Lifetime coverage with cash value accumulation that grows over time.
Custom Plans
Guidance on combining policies or adding riders for unique situations and long-term goals.
Questions About Life Insurance?
Here’s What You Should Know
Do I really need life insurance if I’m young and healthy?
Yes—purchasing life insurance while you’re young and healthy often means lower premiums and more coverage options. Even if you don’t have children or a spouse yet, a policy can help cover debts, final expenses, or provide support for aging parents. Planning ahead ensures your loved ones aren’t left with financial burdens and gives you peace of mind as your life evolves.
What’s the difference between Term Life and Permanent Life insurance?
Term life insurance provides coverage for a specific period, like 10, 20, or 30 years, and is usually more affordable. Permanent Life insurance, on the other hand, offers lifetime coverage and includes a cash value component that can grow over time. We’ll help you weigh the pros and cons of each option to find the right fit for your family and your goals.
How much life insurance coverage do I really need?
The right amount of coverage depends on your income, debts, lifestyle, and future expenses like college tuition or retirement for your spouse. We’ll work with you to calculate a coverage amount that protects your family without overextending your budget. Our goal is to help you create a safety net that provides real peace of mind.
Can I update or change my life insurance as my situation changes?
Yes, life insurance isn’t a set-it-and-forget-it decision. Major life events like marriage, buying a home, or having children often require updating your coverage. We’ll help you review your policy regularly and adjust as needed so your plan stays aligned with your family’s needs.
Why choose Freedom for Living for life insurance?
Unlike many agencies that only offer one company’s products, we work with multiple carriers to find the best solution for you. As an Ethics Approved Registered Financial Consultant (RFC®), Ron Rogers focuses on education and transparency. You’ll never feel pressured to buy—we’ll take the time to help you understand your options and make a confident decision.