We just had a baby
A new child adds about two decades of costs overnight — childcare, school, and everything in between. Most coverage was bought before the baby, so it was sized for a smaller family.
Beyond the Scrubs
Did life just change? Make sure your coverage changed with it.
A new baby, a new house, caring for aging parents, a new job — these are the moments when the coverage you have quietly stops being enough. We're Joel and Dasha Nual, nurses and licensed agents. Start with a six-question Coverage Check, then a free 15-minute intro call if you want one. No pressure, no cost.
Free 15-minute intro call · No pressure · No cost
We bought a home
A mortgage is usually the largest debt a family carries. If coverage doesn't at least match the balance, the surviving spouse may face a choice between the house and everything else.
I'm caring for my parents
Caregivers often carry their parents' final costs on top of their own household. Coverage for a parent — or more coverage for you — can keep one loss from becoming a financial crisis.
I changed or lost my job
Life insurance through work usually ends with the job. A gap between employers — or a new plan with a smaller benefit — can leave a family less protected than they realize.
Planning for final expenses
Funerals and final bills commonly run well into five figures. A small, permanent policy keeps those costs off your children's credit cards.
I have a health condition
Many people with a managed condition assume they can't qualify. Often they can — the carrier and how the condition is presented make a real difference, and that's where nurses help.
DiabetesHigh blood pressureCOPDAFibSleep apneaCancer remission
60-second Coverage Check
Is the coverage you have enough?
Move the sliders. Nothing is submitted or saved unless you choose to book.
Your yearly income$75,000
Life insurance through your job
Years your family would need your income10 years
Mortgage balance$200,000
Other debts (student loans, car, cards)$30,000
Children who may need college help2
Life insurance you already own personally$0
Your estimated coverage gap
$1,020,000
Estimated need$1,095,000
What you have$75,000
This is an estimate, not advice. Your real number depends on your family and goals — that's what your free intro call and coverage appointment are for.
Get My Free Coverage CheckHow we estimate: Need = income × years + mortgage + other debts + (children × $50,000) + $15,000 final expenses. Gap = need − job coverage − personal coverage (never below $0). Not a quote or an offer of coverage; premiums depend on underwriting.
Why families trust two nurses
Health underwriting in plain words
We're nurses. We explain what carriers look at and why, without the jargon.
No pressure — you decide
We lay out your options and step back. If it isn't right, we'll say so.
Multiple top-rated carriers
We compare carriers to find the fit for your health and budget, not one company's product.
Questions families ask
How much life insurance do I need?
A common starting point is about 10 times your yearly income, plus your mortgage, debts and future costs like college. The Coverage Check above gives you a quick estimate; on your intro call we tailor it to your family.
Is coverage through work enough?
Usually not. Many employer plans pay one to two times salary, and the coverage typically ends when you leave the job. A personally owned policy stays with you.
Can I insure my parents?
Often, yes, with their consent and participation. Final expense and small permanent policies are common options for older parents, depending on age and health.
What if I have health problems?
Many managed conditions — diabetes, high blood pressure, sleep apnea and more — can still qualify. Pricing depends on the carrier and your history, which is why comparing carriers matters.
Do I need a medical exam?
Not always. Several carriers offer no-exam options for many applicants, depending on age, health and the coverage amount.
Get My Free Coverage Check
Your Free Coverage Check
Pick a time for your 15-minute intro call.
Sunday–Friday. Times shown in your time zone.
Checking our real calendar for open times…
Prefer to talk now? Call or text (205) 206-0029.
Not ready to pick a time?
Answer six quick questions and see your estimated gap first.
Take the Family Coverage Check