LIFE INSURANCE
Your Life. Your Legacy. Covered.
We help you plan with confidence, so the life you’ve built can keep making a difference.
From living benefits to legacy planning, discover life insurance that empowers your life and whatever comes next.
Life insurance isn’t just about what happens after you’re gone, it’s a powerful tool for protecting your loved ones, building wealth, and strengthening a well-rounded retirement plan.
Thoughtfully designed. Personally aligned.
Each life insurance option offers a distinct balance of protection, flexibility, and peace of mind.
Term Life Insurance
Straightforward protection for a set span of time.
Term life offers affordable coverage for a specific duration, which is perfect for covering major financial responsibilities like a mortgage, education, or income replacement during your peak earning years.
Whole Life Insurance
Lifelong coverage with long-term benefits.
Whole life insurance provides guaranteed protection for your entire life, along with a cash value component that grows over time and can be used while you’re still living.
Gift of Life Insurance
A meaningful legacy starts today.
This unique policy lets you gift life insurance to a child or grandchild, offering financial protection, guaranteed future insurability, and a meaningful head start they can use for college, a home down payment, or other future goals.
Long Term Care Insurance
Protection for your health, your dignity, and your legacy.
Long-term care coverage helps cover the cost of care for chronic illness, disability, or aging needs, relieving the potential burden on family and preserving your financial independence.
You are making a difference.
Let’s make sure your insurance does too.
“She has a special way of making you feel like you are her only client.
She is compassionate, knowledgeable, and explains complicated insurance policies in a way that anyone can easily understand. She is unfazed by complicated situations and magically finds not one, but multiple solutions to choose from.
I trust her judgement wholeheartedly and there’s no one else I would work with to make sure my family is insured and taken care of.”
—Nina Kayce, Psy.D.
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Living Benefits
Support for life’s hardest moments—when you need it most.
Life insurance isn’t only about the future. With living benefits, certain policies allow you to access up to 75% of your coverage while you’re still alive—helping you manage the financial impact of a chronic or critical illness.
Critical Illness Rider
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Receive support if diagnosed with a covered condition like cancer or heart attack.
Long-Term Care Rider
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Offset the costs of long-term care, with a guaranteed monthly amount you choose to pay for long-term care.
Guarantees Insurability Rider
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Add this to any whole life policy to increase the death benefit limit throughout the life of the policy without underwriting requirements or medical questions. Great for whole life policies gifted to children and grandchildren.
Life is complicated.
Life insurance doesn’t have to be.
We’ll walk you through your options with clarity and care.
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If anyone depends on your income, caregiving, or long-term plans, life insurance isn’t just helpful—it’s essential. It can replace lost income, pay off debt, fund education, support aging parents, or help a business survive a transition.
But beyond the finances, life insurance offers something even more meaningful: peace of mind. It ensures that your loved ones will be protected and your wishes honored, even when you’re no longer here to carry them out. Whether you’re just starting a family, growing a business, or planning your legacy, we can help you choose the right way to safeguard the life you’ve worked hard to build.
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There’s no one-size-fits-all solution—but with a trusted and experienced partner like Wye River, you can create a life insurance plan tailored to your unique goals and circumstances.
A well-rounded strategy often includes a combination of Term and Whole Life Insurance. Term offers affordable, immediate protection, while Whole Life builds long-term value.
With the right planning, you can start with Term coverage and gradually transition into a Whole Life policy—leveraging the strengths of both to protect your future and build lasting wealth.
The best way to know with confidence? Book a call with our team.
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If you outlive your term policy, congratulations—that’s a good thing!
What happens next is important. Your current Term life insurance policy ends once the term has concluded. While most carriers will offer to renew the policy, it’s often at significantly higher premiums—making it an impractical option for many.
Without a plan in place, you may be left starting over with fewer options and higher costs.
At Wye River, we’ll help you build a strategy before your term ends—so you can stay protected without scrambling at the last minute. Start planning here.
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Choosing the right life insurance policy is a deeply personal decision—one that should align with both your financial landscape and your long-term goals.
That’s why we start with a conversation, not just a quote.
As your insurance partner, we’ll help you strike the right balance between Term and Whole Life coverage, clarify the relationship between cost and protection, and explain riders and benefits you may not even know are available. And because we’re brokers—not tied to any single provider—you’ll get unbiased guidance and real options, not sales pressure.
Our goal is simple: to give you confidence in a plan that fits your life today and supports your vision for tomorrow.
Want to talk it through? Book a call here.
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Send us your current life insurance policy—we’ll review it and give you an honest assessment.
We’ll let you know if you’re properly covered already, or if there are gaps or inefficiencies where there may be opportunities for us to help improve your plan.
Our goal is to aid you in maximize coverage, minimize unnecessary cost, and ensure your loved ones and future plans are fully protected.
Live long and pass it on.
Whether it’s funding college, covering care, or easing uncertainty, the right policy lets you keep providing for the people you love, even after you’re gone.