Ensuring the Story Continues
Life insurance isn’t about death. It’s about making sure your family’s future chapters are written exactly how you intended, no matter what happens to you.
The Ultimate Act of Love.
We know that talking about life insurance is uncomfortable. It forces us to confront the one plot twist we all hope to avoid.
But here is the reality: If your income stopped today, how long could your family stay in their home? Could they pay the mortgage? Could your children still go to college?
At Novel Insurance, we simplify the process. We help you calculate the exact amount needed to secure their lifestyle, so you can stop worrying about the "what ifs" and get back to enjoying the "right nows."
Our Coverage Menu
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The "Rental" Plan. Pure protection for a specific chapter of your life (10, 20, or 30 years).
Pros: Extremely affordable. High coverage amounts for low premiums.
Best For: Young families replacing income, covering a mortgage, or ensuring kids get through college.
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The "Ownership" Plan. Permanent protection that lasts your entire life and builds Cash Value over time.
Pros: Rates never increase, coverage never expires, and it acts as a stable financial asset you can borrow against.
Best For: Leaving a legacy, estate planning, and building conservative wealth.
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The "Flexible" Plan. Permanent coverage with flexible premiums and growth potential tied to market indexes.
Pros: Can provide tax-free retirement income if structured correctly.
Best For: High earners looking for tax-advantaged growth strategies alongside protection.
How We Review Your Policy
Many people buy the wrong policy or rely on work benefits. We review the details to ensure your safety net is real:
The "Work Policy" Trap: You likely have 1x salary coverage through work. But you don't own it. If you lose your job or change careers, that insurance disappears. We help you secure a private policy that follows you.
Living Benefits: Modern life insurance isn't just for dying. We prioritize policies that offer "Living Benefits"—allowing you to access your death benefit early if you suffer a Critical Illness (Cancer, Heart Attack) or Stroke.
Convertibility: We look for Term policies that include a "Conversion Privilege." This allows you to trade your Term policy for a Permanent one later in life without taking a new medical exam.
Frequently Asked Questions
Still have questions? Take a look at the FAQ or contact us anytime.
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A: Not always. Many modern carriers offer "Accelerated Underwriting" for healthy individuals under age 60. This means you can often get up to $1 Million or $2 Million in coverage with just a phone interview and a prescription check—no needles required.
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A: Probably much less than you think. A healthy 35-year-old can often secure $500,000 of Term coverage for less than the cost of a daily coffee ($20-$30/month). The younger you are when you lock it in, the cheaper it is.
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A: Do you have debt? If you have private student loans or a mortgage with a co-signer (like your parents), that debt doesn't disappear when you die—it passes to them. Life insurance clears that slate so you don't leave a burden behind.
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A: Yes! A common strategy is to "ladder" coverage. You might buy a large Term policy to cover your mortgage years (cheap), and a smaller Whole Life policy to cover final expenses forever (permanent). We can build a custom ladder for you.
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A: This is a small, permanent policy (usually $10,000–$25,000) designed specifically to cover burial or cremation costs. It has very lenient underwriting, making it easy for seniors with health issues to qualify.