How protected is
your family, really?

A healthy non-smoker in their 30s can typically get $500,000 to $1 million in term life coverage for $20–$45 per month. Rates depend on your age, health, the amount of coverage, and the term length. Getting a personalised quote through the Family Protection Score takes 5 minutes and shows you your exact number.

The standard starting point is 10 times your annual income — plus your mortgage balance, any outstanding debts, and projected college costs for your children. For a family with $80,000 income and a $400,000 mortgage, that's typically $1.2 million or more. The free Family Protection Score calculates your exact number based on your situation.

Almost certainly not on its own. Employer group coverage is typically 1–2 times your salary and ends the day you leave that job — layoff, career change, retirement. Most families need 10 times income minimum. Your own independent term policy is portable, higher amounts, and your rates are locked in now while you're healthy.

Not with the right carrier. Many insurers now use simplified issue or accelerated underwriting — just a few health questions answered online, no doctor visit or blood draw required. Most healthy applicants receive a decision same-day or within a few days. Connor identifies the right carrier for your specific health profile.

Term life insurance covers you for a specific period (10, 20, or 30 years) at a fixed monthly rate — it's the most affordable and most straightforward option for most families. Whole life is permanent coverage with a cash value component but significantly higher premiums. For most NY families with mortgages and children, term life provides the most coverage per dollar.

An independent agent like Connor works with multiple carriers, not just one. This means he can shop the market to find the best coverage and rate for your specific health profile and situation. A captive agent (one who only sells one company's products) can only offer you what their company sells, even if a competitor has a better rate or a more favourable underwriting process for your health history.