Ashton Wilson
Professional Life Insurance Agent
But more than that... I'm someone who believes protecting your family should be simple, affordable, and pressure-free.Whether you're just curious or ready to take action, this page is here to help you understand your options - on your terms.
What Is Life Insurance?
Life insurance is a contract that provides your loved ones with a lump sum payment when you're no longer here to provide for them.It's about stability. This makes sure that if something happens to you, the beneficiaries (ones you elect to receive that payout) will be able to:+ Keep their home
+ Cover funeral costs
+ Replace lost income
+ Pay off debt
+ Or even just provide a financial boostYou pay a small monthly premium now, and in return, your family gets a guaranteed payout (often tax-free) when they need it most.There are plans for every budget, every stage of life, and every health situation ~ no exam required in most cases.
Why It matters
Most people don't realize how fragile their financial foundation is until its too late.Here's why Life insurance often isn't optional anymore:+ 4 in 10 families would struggle to cover basic living expenses within just 1 month of a primary wage earner's passing.+ Nearly 50% of mortgage foreclosures are caused by death, illness, or disability ~ not financial irresponsibility.+ 69% of Americans have less than $1000 in savings, and nearly 40% have nothing.+ The average funeral costs $8,000-$15,000, not including medical bills and legal expenses related to the passing.+ Over 60% of GoFundMe campaigns are started to cover funeral or medical expenses after an unexpected death.It isn't made for you... it's made for the people who would feel your absence the most.
The 3 Main Types
Life Insurance isn't one size fits all ~ and that's the good news. There's a specific plan for your age, health, and goals.
Term Life
Affordable. Simple. Smart.Lasts 10-30 years (you choose).Great if you want coverage while raising kids, paying off debt, or until retirement.No cash value ~ pure protection.Best value if you're young and healthy.Common strategy: match term length with your mortgage or retirement timeline.
Whole Life
Coverage that never expires ~ with built-in savings.Stays with you for life.Fixed premiums that never go up.Builds cash value with each payment ~ money you can borrow or withdraw later.Great for estate planning, leaving a "gift" for your beneficiaries, or building permanent financial backup.
Indexed Universal Life
Protection + tax-free growth.Flexible payments and adjustable death benefits.Builds cash value tied to the market (without losing money when it dips).Grows a tax-free retirement fund inside your policy.Ideal for wealth-building with protection.
You can also add what are known as "riders" (optional add-ons that enhance coverage features), Which include but are not limited to:
Disability income rider - Pays you if you become disabled.
Accelerated death benefit - Access your money if diagnosed terminally ill.
Child rider - Add low-cost coverage for your children.
Return of premium - Get your premiums back if you outlive the policy (on select term policies).
How Pricing Works
Younger + Healthier = Lower Monthly RateFace amount = How much money you family recieves ($100k, $500k, $1M)Monthly cost depends on: Age, health, coverage amount, and policy type
Word of Advice
Life Insurance gets more expensive the older you get ~ and even more if your health changes. if you're serious about getting protection, the time is now.
If You’re Ready...
Fill out the questionnaire linked below. I'll find you the best policy options for your needs and get back to you on YOUR schedule. No obligation.