We don't have kids yet. Do we really need coverage now?

If you share any financial obligations (rent, a mortgage, co-signed debt, joint expenses), the answer is yes. One partner's death creates a financial crisis for the other.

Should we wait until we have children to get more coverage?

You don't have to wait. Getting a baseline policy in place now means you've established insurability and locked in your current rates. Many couples increase coverage when kids arrive.

What if one of us isn't in perfect health?

That's where we help most. As an independent broker, we work with top-rated carriers, and different carriers underwrite differently. A condition that causes one carrier to rate you up might be standard with another.

We're both working. Does the partner who earns less need as much coverage?

Not necessarily the same amount, but they need meaningful coverage. Consider how much of your household depends on both incomes and what the lower-earning partner contributes that would be costly to replace.

Is this something we need to do before buying a home?

Ideally, yes, or at least simultaneously. The mortgage is exactly the kind of obligation life insurance protects against.

Just reach out. We'll have a brief conversation about your situation and come back with real options. No sales pressure.

Newlywed couple walking together on their wedding day

You Just Said “I Do.” Now Protect What You’re Building.

At 28, a $500K policy costs about $22/month. Wait until 38, and it’s $42. Lock in the lowest rate while you’re young, healthy, and just starting out.

See Our Rate

A-Rated CarriersLicensed Texas AgentsNo Obligation

Timing Matters

Why Right After the Wedding Is the Right Time

You're young and healthy

Life insurance is priced on your age and health at the time of application. Locking in coverage now means locking in your current health status for the entire policy.

Your rates will never be lower

Premiums increase with every year of age. A healthy 27-year-old pays roughly half what a 37-year-old pays for the same coverage. Delay costs money.

You've created shared financial exposure

The moment you're married, your financial lives are linked. If one of you died, the other faces mortgage payments, shared debt, and a drastically different financial picture.

Getting covered is fast and easy

Most young, healthy applicants get approved in days, often without a medical exam. Now is when the process is the easiest it will ever be.

Beyond Dependents

What Shared Financial Life Actually Looks Like

Many newlyweds think “we don’t have kids yet, so we don’t need it.” That misses several key exposures that come with marriage itself.

Joint Mortgage

If one of you passed away, the surviving spouse owns that obligation entirely on a single income.

Co-signed Debt

Student loans, car loans, or other shared debt becomes the surviving partner’s responsibility.

Lost Income

Your combined income funds the life you’re building. If it disappeared, so would a significant portion of your plans.

Career Interruptions

Plans for one partner to step away from work only function if both incomes are protected.

Cozy home interior representing shared financial life

What Type and How Much

No Kids Yet

$250K - $500K per person

A 20 or 30-year term policy is the most practical choice. Consider:

Partner's income for 5-10 years

Outstanding shared debts

Mortgage payoff or years of rent

Kids in the Picture

10-12x Annual Income

When children arrive, coverage needs grow quickly. Add:

Childcare and education costs

Full mortgage balance

Years of lost household income

Two Separate Policies, Not One Joint

We almost always recommend two individual policies over a joint one. A joint “first-to-die” policy pays once, leaving the survivor with no coverage and needing to reapply older and potentially less healthy. Two individual policies ensure both partners stay protected.

As an independent brokerage, we shop top-rated carriers for each partner individually. That means each of you gets the best rate for your own health profile and coverage needs.

The Math Is Clear

Lock In Your “Healthy” Rate for Life

Your premium is guaranteed to stay the same for the entire term of the policy, regardless of what happens to your health. If you buy at 28 for $25/month, you pay $25/month at 38, 48, and 58 - even if your health changes along the way.

Wait until 38 with a health condition, and you’re underwriting at a higher age with those conditions factored in. Getting covered young isn’t just about cost - it’s about preserving optionality.

$22

per month at age 28

$42

per month at age 38

$65

per month at age 45

more at 45 vs 28

Real Cost Examples for Newlyweds

Monthly estimates for healthy non-smokers

Age	Coverage	Term	Est. Monthly
24	$500,000	30-year	$18 - $24
26	$500,000	30-year	$20 - $26
28	$500,000	30-year	$22 - $30
30	$500,000	30-year	$26 - $35
30	$1,000,000	30-year	$48 - $65
32	$500,000	20-year	$25 - $35

Rates shown are illustrative estimates for comparison purposes only. Actual premiums depend on your health history, lifestyle, and the carrier’s underwriting. All coverage is subject to application and approval.

For both partners together, combined coverage of $1,000,000 often runs $45 - $70/month totalfor a couple in their late 20s. That’s comparable to one dinner out - for a full year of protection.

Estimates based on preferred health class. Your actual rate depends on health, lifestyle, and carrier. We compare top-rated carriers to find your right price.

How Our Process Works

From first conversation to coverage in place, typically less than a week

Quick Conversation

We ask about your ages, health, income, debts, and goals. Both partners, together or separately.

We Shop Top-Rated Carriers

We find the best combination of price, carrier strength, and policy features.

Real Options

Clear explanations of the differences. No pressure toward the most expensive choice.

You Apply

Answer a health questionnaire and possibly a brief phone interview. No medical exam in many cases.

You're Covered

Most clients hear back within days. Temporary coverage often begins with the application.

The Facts Speak for Themselves

Rate increase from age 28 to 38

Waiting 10 years to get covered roughly doubles your monthly premium for the same coverage amount.

Source: Industry rate data

48%

Of couples have a coverage gap

Nearly half of American households say they’d face financial hardship within six months if the primary earner died.

Source: LIMRA 2024 Insurance Barometer Study

Tax-Free

Death benefit to your spouse

Life insurance proceeds paid to a beneficiary are generally free of federal income tax.

Source: IRS Publication 525

Start Your Marriage With the Right Foundation

You’ve already made the most important commitment. Life insurance is the financial layer underneath it - easier to get than most people expect, less expensive than most people think.