Coverage Options
Find the Coverage That Fits Your Life
Every family's situation is unique. I'll help you understand your options and find the right fit — comparing top carriers so you don't have to.
Term Life Insurance
Simple, affordable protection for the years that matter most.
Term life insurance provides coverage for a specific period — typically 10, 20, or 30 years. If you pass away during the term, your beneficiaries receive a tax-free death benefit. It's the most straightforward and affordable type of life insurance, making it ideal for young families, new homeowners, and anyone who wants maximum coverage at the lowest cost.
Key Benefits
- Lowest premiums of any life insurance type
- Simple and easy to understand
- Flexible term lengths (10, 20, 30 years)
- Tax-free death benefit for your beneficiaries
Best for: Young families, income replacement, mortgage coverage, budget-conscious buyers
Get a quote for this coverageFinal Expense Insurance
Give your loved ones the gift of a burden-free goodbye.
Final expense insurance (also called burial insurance) is a small whole life policy designed to cover end-of-life costs — funeral expenses, medical bills, and other debts. Coverage amounts typically range from $5,000 to $25,000. It's easy to qualify for, with no medical exam required in most cases, and premiums never increase.
Key Benefits
- No medical exam required in most cases
- Premiums never increase
- Coverage never expires
- Fast approval — often same day
Best for: Seniors, those on fixed incomes, anyone wanting to protect family from funeral costs
Get a quote for this coverageWhole Life Insurance
Permanent protection with a savings component that grows over time.
Whole life insurance provides lifelong coverage and builds cash value over time that you can borrow against or withdraw. Premiums are fixed and the death benefit is guaranteed. It's a powerful tool for estate planning, leaving a legacy, or supplementing retirement income.
Key Benefits
- Coverage lasts your entire lifetime
- Builds guaranteed cash value
- Fixed premiums that never change
- Can be used as a financial asset
Best for: Long-term financial planning, estate planning, leaving a legacy, business owners
Get a quoteUniversal Life Insurance
Flexible permanent coverage that adapts as your life changes.
Universal life insurance offers the permanence of whole life with added flexibility. You can adjust your premium payments and death benefit as your financial situation evolves. It also builds cash value, often tied to market interest rates, giving you growth potential alongside lifelong protection.
Key Benefits
- Adjustable premiums and death benefit
- Builds cash value with growth potential
- Lifelong coverage
- More flexible than whole life
Best for: Those who want flexibility, business owners, high-income earners, estate planning
Get a quoteMortgage Protection Insurance
Keep your family in their home, no matter what happens.
Mortgage protection insurance is a specialized life insurance policy designed to pay off your mortgage if you pass away unexpectedly. Some policies also cover disability or job loss. It ensures your family won't have to worry about losing their home during an already difficult time.
Key Benefits
- Pays off your mortgage if you pass away
- Some policies cover disability or job loss
- Peace of mind for your family
- Often no medical exam required
Best for: New homeowners, families with young children, anyone with a mortgage
Get a quoteIncome Protection Riders
Optional riders that may help protect your family's finances if you can't work.
As a life insurance broker, I help clients explore optional riders that may be available on certain life insurance policies — including disability waivers of premium, living benefit riders, and other provisions that can provide financial support during a qualifying disability. These riders are not standalone disability insurance policies. Availability and specific benefits vary by carrier and policy.
Key Benefits
- May be available as an optional rider on certain life insurance policies
- Can help provide financial support during a qualifying disability
- Helps protect your family's financial stability
- Availability and benefits vary by carrier and policy
Best for: Policyholders who want added financial protection built into their life insurance coverage
Get a quoteThe Process
How Working With Yaz Works
Getting the right coverage is easier than you think. Here's what to expect.
Free Consultation
We start with a no-pressure conversation about your family's needs, goals, and budget.
I Shop the Market
I compare 20+ top-rated carriers to find the best coverage at the best price for your situation.
Clear Recommendations
I present your options in plain language — no jargon, no pressure — so you can decide with confidence.
Easy Application
I guide you through the application process from start to finish. Most policies are approved quickly.
Ready to Get Started?
Not Sure Which Coverage Is Right for You?
That's exactly what I'm here for. Book a free consultation and I'll help you figure it out — no pressure, no jargon, just honest guidance.
Free Consultation
No cost. No obligation. Just honest answers about what coverage fits your family.
Book a Free Consultation