LIFE INSURANCE · FINANCIAL STRATEGY · RETIREMENT
A more personal way to plan for what matters most.
Thoughtful guidance to help you protect your loved ones and feel confident about the future you’re building.
Get StartedPLANNING THAT REFLECTS YOUR LIFE
You do so much. Your plan should recognize it.
The value you bring to your family goes beyond a paycheck. It may include caring for children, managing a household, building a business, or supporting the people who depend on you.
NovaLife helps you consider the full picture and find protection that fits your responsibilities, priorities, and budget.
A PLACE TO START
A few questions can bring your priorities into focus.
You do not need to have every answer before reaching out. These questions can help guide a more useful conversation.
Could your family remain in your home if your income changed?
Would the people who depend on you have the support they need?
Do you know what your coverage through work includes?
Does your current plan still fit the life you have today?
YOUR OPTIONS
Protection can be personal and practical.
There is no single policy that fits everyone. NovaLife can help you understand the options and choose an approach that suits your needs.
Life insurance
Help provide financial support for the people you love if you are no longer there to care for them.
Coverage review
Understand what you already have, including coverage through work, and identify any gaps worth discussing.
Long-term planning
Consider how certain permanent life insurance options may fit within your broader financial and retirement goals.
GOOD TO KNOW
Let’s make life insurance easier to understand.
“I have coverage through work.”
That is a good starting point. Reviewing the benefit amount and what happens if you leave your job can help you decide whether it is enough.
“Life insurance is out of my budget.”
Policy types and coverage amounts vary. A conversation can help you see which options may fit your budget.
“Only the main income earner needs coverage.”
Caregiving, childcare, transportation, and managing a home have value too. Your protection plan can account for those contributions.
A CONVERSATION BUILT AROUND YOU
Feel more confident about your next step.
Connect with NovaLife for a complimentary financial protection review. Share what matters to you, ask questions, and see what options may fit.
PLAN WITH MORE CLARITY
Life Insurance Calculator
Get a starting estimate of the coverage your loved ones may need. Adjust the numbers to see how your priorities change the result.
Your annual income before taxes.
How long you would like to replace that income.
Debts you want covered, such as a mortgage or other loans.
An amount you would like to set aside for final expenses.
Resources you intend to use for these needs.
Estimate = (annual income × replacement years) + outstanding debt + final expenses − existing coverage and savings. Results are for educational purposes only. Actual coverage needs depend on your circumstances, and policy availability and pricing depend on eligibility and underwriting.
CONNECT WITH NOVALIFE
Let’s talk about what matters to you.
Whether you have a specific question or are just getting started, Izzy and Mandy are here to help you consider your options with care.
QUESTIONS, ANSWERED
Life insurance, made easier to understand.
Getting started can bring up a lot of questions. Here are a few straightforward answers to help you feel more prepared.
How do I know if I need life insurance?
Consider whether someone would face financial strain without your income or the care you provide. A policy may help with living expenses, debts, childcare, and other needs that matter to your family.
How much coverage should I consider?
Start with the income you want to replace, debts you would like covered, future expenses, and resources you already have. The right amount depends on your household and goals. NovaLife can help you review the full picture.
Is coverage through my employer enough?
Employer coverage can be valuable, but the benefit amount and what happens when you leave the job vary by plan. Reviewing those details can help you decide whether separate coverage would be useful.
Does a stay-at-home parent need coverage?
It may be worth considering. Childcare, transportation, household management, and caregiving have financial value even when they do not come with a paycheck.
When should I review an existing policy?
Review your coverage when your circumstances change, such as getting married, welcoming a child, buying a home, changing jobs, or starting a business. It is also useful to revisit beneficiaries and coverage amounts periodically.
What is the difference between term and permanent coverage?
Term insurance covers a specified period and generally does not build cash value. Permanent policies are designed for longer coverage and may include a cash value component. Features and costs vary by policy.
What affects the cost of a policy?
Premiums depend on factors such as age, health, coverage amount, policy type, and underwriting. A conversation with NovaLife can help you compare options that fit your priorities and budget.
Will I need a medical exam?
Some applications require an exam, while others may use different underwriting methods. The process depends on the insurer, policy, coverage amount, and your circumstances.
Can I name more than one beneficiary?
Many policies allow you to name primary and contingent beneficiaries. The available options and how benefits are distributed depend on the policy and insurer.
What happens when I contact NovaLife?
Izzy or Mandy will learn about your goals, answer your questions, and help you understand the options available to you. You can begin with a complimentary financial protection review.
Start a conversationHave a question that is not answered here?
Ask NovaLife