Life insurance

Life insurance sized to what your family would actually need

We start with the number. Debts, years of income, the mortgage and college add up to a real figure, and then we find the policy that fits it and your budget.

Coverage amount built from your debts, income, mortgage and kids
Term and permanent options explained so you can choose
Work coverage counted for what it is

Start your life quote

About a minute. No credit check to get started.

What do you want to insure?

Pick at least one.

ZIP code

Enter a 5-digit ZIP code.

First name

Last name

Cell phone

Street address

City

State

ZIP

I understand Michael Gordy Financial Services, Inc., DBA INS Insurance Agency, will contact me about my quote by call, text or email, through its own agents, which may include AI agents. I can stop texts anytime by replying STOP, or ask to have my number removed from the call list. Message and data rates may apply. Consent is not a condition of purchase.

Please fill in every field and check the box above.

You're in. Want to make the call faster?

Connect your current policy and we'll see what you have today: drivers, vehicles, home details, coverages and limits. It takes about a minute.

Then our call is short. We'll show you what your current policy pays for and what it doesn't, ask what you want covered, and build your quote around that.

Nobody should find out at claim time that their policy doesn't pay for something they thought it did. Seeing your current policy helps us make sure that doesn't happen to you.

You log in through Canopy Connect, not through us. We never see your password, and the transfer is encrypted end to end.

Connect my current policy

No current policy, or rather not? That's fine. We'll call you at the number you gave us.

Coverage

The main types of life insurance

Most families start with term. Permanent coverage fits specific goals.

Term life

Coverage for a set number of years, often 10, 20 or 30. The lowest cost per dollar of coverage.

Whole life

Permanent coverage with a guaranteed premium and cash value that grows over time.

Universal life

Permanent coverage with more flexible premiums. Some versions guarantee the death benefit to a set age.

Final expense

Smaller permanent policies meant to cover funeral and end-of-life costs.

What we teach every client

Three things people get wrong about life insurance

Coverage through work usually ends with the job

Group life is a nice benefit, and it's often one or two times salary. If you leave or lose the job, the coverage typically goes with it.

The amount matters more than the type

A family with a large mortgage and young kids may need 15 times income or more. Start with the number, then decide on term or permanent.

Health changes the price

Rates are set by age and health when you apply. Buying sooner is usually cheaper than buying later.

Policy review

When we review your life coverage, we look at

If your coverage is solid, we'll tell you so and you keep it.

Free tool

Life insurance calculator

Estimate your coverage need with DIME and the 10 to 12 times income check.

Open the calculator →

Total need using the DIME method
Personal coverage separated from coverage through work
Term length checked against the mortgage and kids' ages
Beneficiaries, including contingent beneficiaries
Coverage on a stay-at-home spouse

Questions

Common questions

How much life insurance do I need?

Add years of income, the mortgage, other debts, college and final expenses, then subtract what you already own. Our calculator does the math.

Does a stay-at-home parent need coverage?

Yes. Replacing childcare, driving and running the house costs real money if that parent dies.

Is term or whole life better?

They do different jobs. Term covers a need for a set period at the lowest cost. Whole life is permanent and builds cash value at a higher premium.

Send us your current policy

We'll go through it with you, explain what it pays for and what it doesn't, then build a quote around what you want covered. If yours already covers what matters to you, we'll say so.

Start a quote Call 678-578-7009