Life Insurance & Financial Protection
Protect What Matters Most
Protect What Matters Most
Life insurance is one of the most important ways to protect the people and responsibilities that matter most to you. Whether you’re looking to provide income replacement for your family, cover a mortgage, or leave a legacy, the right policy can make a lasting difference. At Opportunity Insurance Agency, we take a clear, straightforward approach to helping you find the coverage that fits your needs—not the insurance company’s. As independent brokers, we compare policies from top-rated carriers to help you secure affordable protection without the confusion or pressure.
Life Insurance Options We Offer
Flexible Coverage to Fit Your Goals
Term Life Insurance
Simple, affordable coverage designed for a set period, ideal for protecting income or paying off a mortgage during key years.
Whole Life Insurance
Permanent coverage that lasts your entire life and builds cash value over time.
Universal Life Insurance
Flexible permanent policies that can adapt as your needs and budget change.
Final Expense Insurance
Smaller policies meant to cover funeral and end-of-life costs, easing the burden on your loved ones.
Family Life Insurance Policies
Options to protect spouses and children under one plan for added peace of mind.
Policies With Living Benefits
Some plans offer riders for long-term care or access to cash value to support future financial needs.
Questions About Life Insurance?
Clear Answers to Help You Decide
How much life insurance do I need for my family?
The right amount of coverage depends on your financial goals, outstanding debts, and what you want to provide for your loved ones if something happens to you. Many families choose to cover 7–10 times their annual income to ensure expenses and future needs are met. We can walk you through a simple needs analysis to help estimate an amount that makes sense for your unique situation. This approach helps ensure you don’t underinsure your family or pay for more than you truly need.
What’s the difference between term and whole life insurance?
Term life insurance covers you for a specific period, such as 10, 20, or 30 years, and is typically more affordable. Whole life insurance provides lifelong coverage and includes a cash value component that can grow over time. The right choice depends on whether you need temporary protection for a certain stage of life or want a permanent policy with long-term benefits. We’ll help you compare the two options so you can make an informed decision that fits your goals.
Can I get life insurance through an independent broker?
Yes, and that’s exactly what we do. Working with an independent broker means you aren’t limited to one carrier’s policies. We can compare multiple top-rated companies side by side to find coverage that fits your needs and budget. This independence ensures you get unbiased information and more choices without the pressure of a single company’s sales pitch.
Is life insurance only for people with dependents?
Not at all. While protecting children or a spouse is a common reason to buy life insurance, it can also be used to cover debts, pay for final expenses, or leave a legacy to a loved one or charity. For business owners, it can fund buy-sell agreements or key person coverage. Even if you don’t have dependents, life insurance can be an important part of your financial planning.
How long does it take to get a life insurance policy?
It depends on the type of policy and whether a medical exam is required. Some term life policies can be approved instantly or within a few days, while fully underwritten whole life policies may take a few weeks. We’ll help you understand the process upfront and work to get your coverage in place as quickly as possible. Our goal is to make it smooth and stress-free from start to finish.
