Yes, this is actually the best time to secure coverage. You're likely healthier (meaning lower premiums and easier approval), and locking in coverage now protects your family as your responsibilities grow. If you develop health issues later, insurance becomes much more expensive or even unavailable.

Term insurance provides coverage for a specific period (10, 20, 30 or 40 years) at lower cost, ideal for temporary needs like mortgage protection. Permanent insurance (whole life or universal life) provides lifetime coverage and builds cash value, better for estate planning and long-term needs. We help you determine which fits your situation and budget.

Employer coverage is valuable but often insufficient. It typically disappears if you change jobs or are laid off, may not cover your full income for disability, and rarely provides enough life insurance for families with mortgages and children. We review your work coverage and recommend supplemental protection to fill gaps.

The tax advantages, wealth extraction methods, and succession strategies available to incorporated business owners are significant but they require specific expertise to implement correctly.