Understanding Life Insurance — Made Simple

We understand that…

Exploring life insurance can feel intimidating at first — especially if you’re not sure how it works or what information is needed to get approved. It’s completely natural to have questions. Life insurance isn’t something most people discuss every day, yet it’s one of the most powerful ways to protect what matters most: your family, your peace of mind, and your financial future.

At its core, life insurance is a financial safety net. It ensures that in the event of your passing, your loved ones are protected from financial hardship — helping cover final expenses, pay off debts, replace lost income, or fund future goals such as education and retirement.

Because each family’s situation is unique, applying for coverage involves sharing personal details such as your health, lifestyle, and financial background. This helps design a policy that’s customized to your needs and budget — so you’re never paying for more than what truly serves your goals.

At Evergreen Wealth & Co., our process is designed to be smooth, transparent, and stress-free. From the first conversation to the final approval, we guide you every step of the way — explaining your options clearly and ensuring you feel confident in your decisions.

Our mission is to make life insurance simple, personal, and purposeful. Because life insurance isn’t just a policy — it’s a promise of protection, love, and legacy for the people who mean the most.

The Two Types of Life Insurance

Choosing the right life insurance starts with understanding the basics.
Every policy falls into one of two main categories — Term or Permanent — and the best choice depends on your goals, lifestyle, and financial plan.