Life Insurance — Melon Insurance Services

Types of life insurance

Find the right kind of coverage

There’s no one-size-fits-all policy. We’ll help you understand the options and match the coverage to what you need to protect.

Term Life

Straightforward, affordable coverage for a set period — often 10, 20, or 30 years. It’s the most cost-effective way to protect your family during the years they depend on your income, like while you’re raising kids or paying off a mortgage.

Whole / Permanent Life

Lifelong coverage that never expires as long as premiums are paid, and builds cash value you can borrow against over time. A good fit for lasting needs, estate planning, or leaving a guaranteed legacy.

Final Expense

Smaller, easy-to-qualify-for whole life coverage designed to handle funeral costs, medical bills, and other end-of-life expenses — so your family isn’t left with the bill during a hard time.

Do you need it — and how much?

If someone depends on you, the answer is usually yes

Life insurance matters most when other people rely on your income or your care. If any of these sound like you, it’s worth a conversation.

You have a partner or children who would struggle to cover living costs without your income.
You carry a mortgage or debt you wouldn’t want to leave behind for your family to pay.
You own a business or are part of one, where your absence would create a financial gap.
You want to cover final expenses so loved ones aren’t burdened with funeral or medical costs.
A common starting point is roughly 10–12 times your annual income, adjusted for debts, savings, and future goals like college — we’ll help you land on the right number.

Good questions

Life insurance, answered

How much life insurance do I actually need?

It depends on who relies on you and what you’d want covered — income replacement, your mortgage and debts, childcare, and future goals like college. A common starting point is 10 to 12 times your annual income, but we’ll walk through your real numbers so you’re not guessing or over-buying.

What’s the difference between term and whole life?

Term life covers you for a set number of years at a lower cost and is ideal for temporary needs like raising kids or paying off a home. Whole life lasts your entire lifetime, costs more, and builds cash value you can access. Many families use term for the big years and add a smaller permanent policy for lasting needs — we’ll help you weigh both.

Do I need a medical exam to qualify?

Not always. Many carriers now offer simplified or no-exam policies, especially for term coverage at moderate amounts, and final expense plans are designed to be easy to qualify for. If a policy does require an exam, it’s usually quick and free. We’ll match you to carriers that fit your health and preferences.

What if I already have coverage through work?

Employer coverage is a good benefit, but it’s often limited — typically one or two times your salary — and it usually ends when you leave the job. A personal policy you own goes with you and can fill the gap. We’ll review what you have and show you whether it’s enough.