Being self-employed gives you freedom—but it also means you’re responsible for your own financial safety net. Without employer-sponsored benefits, you must take charge of protecting your income, your family, and everything you’ve built.

Why Life Insurance Matters for the Self-Employed

As a freelancer, contractor, or business owner, your income may fluctuate—but your responsibilities don’t. If something were to happen to you, would your family or business be okay?

Life insurance helps with:

• Replacing your income

• Covering personal or business debts

• Paying for funeral or final expenses

• Keeping your business operational

Unique Challenges You Might Face

• No employer coverage: You must secure your own policy

• Irregular income: Budgeting premiums can be tough

• Business liabilities: Loans and leases may fall on your family

Solutions That Fit Your Life

✅ Term Life Insurance: Affordable coverage for a fixed time period—perfect for growing businesses.

✅ Permanent Life Insurance (like IUL): Offers lifelong protection and builds cash value you can use later.

✅ Riders & Living Benefits: Add-ons like chronic illness coverage give you access to funds when you need them most.

✅ The Bottom Line

You’ve worked hard to build your business. The right life insurance policy ensures your family and your legacy are protected—no matter what.

Need help choosing the right policy?
Contact us today for expert guidance and personalized coverage options.