Personal Insurance / Life
Life Insurance
Life insurance has more sales pressure attached to it than any other line, which is why most people avoid the conversation. The honest version is short: for the large majority of households, term insurance sized to the mortgage and the years until the kids are grown does the job at a cost that is not disruptive.
What It Covers
The parts of the policy, in plain terms.
Term life
Covers a fixed period, commonly 10 to 30 years, at the lowest cost per dollar of coverage. This is the right answer for most families.
Whole and universal life
Permanent coverage that builds cash value. Costs considerably more per dollar of death benefit and suits specific estate or business planning needs rather than general family protection.
Final expense
Smaller permanent policies aimed at funeral and end-of-life costs, generally with simplified underwriting.
Business uses
Key person coverage and buy-sell funding, which are ordinary business planning rather than personal protection.
How it plays out
A household with a mortgage, two kids and one main earner loses that income. Term insurance sized to clear the mortgage and cover the years until the kids are independent is the difference between a family staying in the house and a family selling it.
Frequently Asked Questions
Life Insurance questions we get.
How much life insurance do I need?
Is term or whole life better?
Do I need a medical exam?
What happens to my employer life insurance if I leave?
What Clients Say
Trusted by your neighbors.
Dave is an amazing agent, and Kim is great too. They both worked very hard to get me the best rates. I felt they had my best interest at heart, not just what was good for them.
I just finished buying a house. My previous agent couldn’t find coverage for it. My realtor told me that “Dave always has an answer for her problems.” She couldn’t have been more right.
I highly recommend David Bartal. David took the time to listen to my circumstances and worked efficiently to get me quotes quickly. Within minutes, I had both my vehicles insured at a price I could actually afford. A very happy and satisfied customer.
Also worth a look
Other coverage we write.
Auto Insurance
Coverage shopped across multiple carriers, with real limits explained in plain terms.
Home Insurance
Coverage for the structure, your belongings, and the liability that comes with owning a house.
Condo Insurance
Fills the gap between the association's master policy and everything inside your unit.
Renters Insurance
Your belongings and your liability, even though the building is not yours.
Flood Insurance
Separate coverage for rising water, which no home or renters policy includes.
Motorcycle Insurance
Cruisers, sport bikes, touring and off-road, with custom parts actually accounted for.
Let's get you a real number.
Tell us what you're insuring and David will shop it across our carriers. No obligation, and no pressure if your current policy turns out to be the better deal.
Independent agency / 10 carriers on file