If You’ve Been Putting Off Life Insurance...

You're not alone. The industry makes it intentionally complicated. We're here to cut through the noise

Confusing Jargon

Whole life, term, universal, variable? It feels like you need a finance degree just to understand the quote.

Most people overestimate the cost of coverage by 300%. It's often cheaper than your daily coffee..

Too Expensive

Tired of agents trying to sell you products you don't need just to hit their commission quota?

Pushy Sales

What You’ll Learn in 45 Minutes

We strip away the marketing fluff and give you the raw numbers and facts you need to make an informed decision:

Webinar Agenda

• The 3 biggest mistakes families make when buying coverage (and how to fix them).

• How to calculate exactly how much coverage you actually need.

• Why 'Employer Coverage' is rarely enough to protect your family.

• Live Q&A: Ask your specific questions anonymously.

"My goal is not to sell you a policy, but to give you the education I wish I had 10 years ago. An educated client is a protected client."

Tina Binion | Licensed Life Insurance Agent | Educator | Family-First Advisor

Term Life

The Temporary Solution

Pure protection for a specific period (10, 20, 30 years). Ideal for covering mortgage years or until kids graduate.

• Most affordable option (pennies on the dollar)

• Simple, easy to understand coverage

• High coverage amount for low premium

• No cash value accumulation

• Coverage ends after the term

The Great Debate:
Term Life vs. Whole Life

Understand the fundamental differences so you can choose the strategy that fits your financial goals.

Whole Life

The Permanent Solution

Coverage that lasts your entire life and includes an investment component (cash value).

• Coverage never expires (as long as you pay)

• Builds cash value over time

• Significantly more expensive (5-10x cost)

• Complex fees and commission structures

• Lower death benefit per dollar spent

More Than Just a Policy

Life insurance isn't about death. It's about love. It's about ensuring that the promises you made to your family are kept, no matter what happens. It's about stability, options, and confidence.

Frequently asked questions

How much coverage do I really need?

A common rule of thumb is 10-12 times your annual income, plus any outstanding debts (like a mortgage). However, every family is different. We'll show you a simple calculation formula during the webinar.

Is this suitable for stay-at-home parents?

Absolutely. Stay-at-home parents provide immense economic value (childcare, home management, etc.) that would be incredibly expensive to replace. They need coverage just as much as the primary breadwinner.

What if I have health issues?

Don't disqualify yourself! Many carriers specialize in high-risk cases, and some policies require no medical exam at all. We'll discuss "No-Exam" options.

Does my work insurance count?

UWork policies are great bonuses, but they are rarely enough (usually 1-2x salary) and, most importantly, they are not portable. If you lose or change your job, you lose that coverage.

Is the webinar recorded?

We encourage live attendance for the Q&A, but yes, a replay will be sent to all registered attendees for a limited time (48 hours).

Protect Your Family and Create More Options—Starting Now.

Knowledge is the most powerful asset you can own.

Compliance Disclaimer: This training is for educational purposes only and does not provide legal, tax, or specific financial advice. Life insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your specific needs should be evaluated by a licensed professional.