Life Insurance

Not all life insurance is built the same; the right policy depends on where you are in life and what you’re trying to protect. Whether you’re looking to cover a mortgage, replace lost income for your family, or leave something behind for the people who matter most, life insurance exists to make sure the unexpected doesn’t become a financial crisis on top of an emotional one.

That’s where Mark Weedin Insurance comes in. As an independent insurance agency, we’re not locked into one carrier’s rates or products. We compare your options across multiple insurance companies to find coverage that reflects your life circumstances, your priorities, and what you can comfortably afford.

What Your Life Insurance Policy May Include

The right life insurance policy depends on your age, your health, your financial obligations, and how long you need coverage to last. Below are the core types we’ll walk you through — and help you decide what makes sense for you.

Term Life Insurance — Provides coverage for a set period (typically 10–30 years) at a lower cost. Often used to cover a mortgage, income replacement, or until kids are grown.
Whole Life Insurance — Permanent coverage that lasts your entire life and builds cash value over time, which you can borrow against if needed.
Universal Life Insurance — Permanent coverage with flexible premiums and death benefits that can adjust as your needs change.
Final Expense Insurance — A smaller policy designed to cover funeral costs and other end-of-life expenses, so loved ones aren’t left with the bill.
Group Life Insurance — Often offered through an employer, this provides basic coverage but typically isn’t enough on its own and doesn’t follow you if you change jobs.

When Should You Review Your Life Insurance Policy?

Life insurance exists for one reason: so the people who depend on you aren’t left to figure out the financial side of loss on top of everything else. It can replace lost income, pay off a mortgage, cover a child’s education, or simply give your family room to breathe during an unimaginable time. That’s not something to set up once and forget about — it’s something worth getting right, and keeping right over time.

Life insurance should grow with you. Your family grows, your finances shift, your responsibilities change — and a policy that made sense five years ago might not reflect where you are today.

It’s easy to set a policy and let it sit. But when life moves on and coverage stays exactly where it started, it quietly falls out of step with you and your family’s everchanging needs.

As a general rule, life insurance is worth a review once a year. But there are specific moments that should prompt a closer look sooner:

You got married or divorced — Your beneficiaries and coverage needs often shift significantly with a change in marital status.
You had a child — New dependents usually mean new coverage needs — and a closer look at how much protection is actually enough.
You bought a home — A mortgage is a major financial obligation that life insurance can help protect your family from inheriting.
You changed jobs — If your previous coverage was employer-provided, it likely didn’t come with you. Group coverage rarely transfers.
Your income changed significantly — A raise, a new business, or a career change can all affect how much coverage makes sense for your family’s needs.
Your term policy is nearing its end — If you have term life insurance, it’s worth reviewing your options well before the policy expires.
You can’t remember the last time you looked at it — If you’re not sure what you’re covered for or who your beneficiaries are, that’s reason enough. A policy review is quick and easy.

We make it easy to review your life insurance policy. Give us a call or send us a message and we’ll take a look at what you have — and whether we can find you something better.

Real people. Real savings.

Still Living by an Old Chapter's Policy?

Life insurance should reflect your life today, not the day you signed up.

Frequently Asked Questions

Not sure where to start?

Get answers from our team.

How is an independent agency different from going direct?

When you buy directly from a single carrier, you only see that company’s options. As an independent agency, we compare rates across multiple carriers to find what actually fits — in price, in coverage, and in service. More options, same amount of effort on your end.

What types of life insurance are available?

Life insurance comes in a few core types, and the right one depends on your goals. Term life insurance covers a set period at a lower cost and is often used to cover a mortgage or replace income while kids are growing up. Whole and universal life insurance offer permanent coverage that lasts your entire life and can build cash value over time. Final expense insurance covers end-of-life costs, and group life insurance — often offered through an employer — provides basic coverage that typically doesn’t follow you if you change jobs. We’ll walk you through each one and help you decide what combination actually makes sense for you.

How much life insurance do I actually need?

It depends on your debts, your income, your dependents, and your long-term goals — there’s no single number that works for everyone. A common starting point is replacing 10–12 times your annual income, but the right amount for you might be more or less. We’ll help you figure out a number that actually reflects your situation.

Is it too late to get life insurance if I’m older or have health conditions?

Not necessarily. While age and health can affect your rate and your options, there are policies designed for people later in life or with pre-existing conditions, including final expense insurance. We’ll help you find what’s available.

How often should I review my coverage?

At least once a year — and any time something changes. Marriage, a new child, a new home, a job change, or a term policy nearing its end are all good reasons to take another look. We’ll flag it if we think we can do better.