Johnson Insurance
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The general rule is 10-15 times your annual income, but your specific needs depend on your debts, dependents, and financial goals. I'll help you calculate the exact amount based on your mortgage, children's education costs, and your family's lifestyle needs.

Yes! Many insurers now offer simplified issue and guaranteed acceptance policies. Depending on your age, health, and coverage amount, you might qualify for instant approval with just a few health questions.

It depends on your goals. Term life is ideal for temporary needs (like protecting a mortgage or young children) and costs less. Whole life provides permanent protection with cash value, perfect for estate planning and lifetime coverage needs.

Your rates depend on your driving record, age, vehicle type, location, credit score, and coverage choices. Safe drivers with good credit typically get better rates. I can help you find discounts for bundling, safe driving, and other qualifications.

If you have a car loan or lease, full coverage is typically required. For paid-off vehicles, consider the car's value. Full coverage protects your investment, while liability-only covers damages you cause to others but not your own vehicle.