Life insurance · For the people who count on you
Love shapes your life.
Let it guide your planning.
Life insurance begins with the people and responsibilities that matter to you. Harris Advisors can help you explore term and permanent coverage and understand the questions to ask before you choose.
Understanding the options
Two starting points.
One personal decision.
The right conversation starts with what you want coverage to help address and how long you may need it.
01
Term life insurance
Coverage for a defined period. A benefit is payable if the insured person dies during that term, subject to the policy’s terms. Term policies generally do not build cash value.
02
Permanent life insurance
Coverage designed to last for life when the policy’s requirements are met. Some policies build cash value. Costs, benefits and how the policy stays in force depend on its terms.
People first
Think about the life around the policy.
01
Who depends on you?
Consider the people who rely on your income or the work you do at home, along with the responsibilities you want to plan for.
02
How long might the need last?
A mortgage, growing family and long-term responsibilities can raise different questions about the duration of coverage.
03
What can you keep in place?
Review ongoing premiums, policy requirements and any coverage you already have. Ask what could change over time.
Make room for your questions
A thoughtful conversation.
A more informed decision.
You don’t have to arrive knowing which kind of life insurance to choose. Tell us who you’re planning for and what you want to understand. We’ll discuss relevant options and help you identify the next step.
Start a life insurance quoteOpens our existing Harris Advisors quote service on BackNine.
A little clarity
A few questions.
A clearer next step.
You don’t need to have everything figured out to get in touch.
Do I need to choose term or permanent insurance before contacting you?
No. You can start by telling us what you want coverage to help address. The differences between policy types can be part of the conversation.
What should I have ready?
Think about the people who depend on you, your financial responsibilities, your budget and any existing life insurance. These are useful starting points for discussing your needs.
Can I begin online?
Yes. Our existing life insurance quote link opens the Harris Advisors flow on BackNine. You can also contact us to talk through your questions first.
Does every policy build cash value?
No. Term policies generally do not build cash value. Some permanent policies do, with values and access governed by the policy’s terms.
Let’s start with you
Start with the people you’re planning for.
A conversation can help turn a big question into a practical next step.