Every client & their loved ones deserve the best rates & strongest protection. Join our Free Life Insurance Power Session Workshop & in 33 minutes you’ll learn exactly how to lock in better coverage and lower premiums. It’s highly recommended your partner attend as well.
Less than 50% of American adults carry life insurance. Of that 50% who do, over half are underinsured (not enough coverage) or overinsured (too much coverage/overpaying).
— Most people overestimate life insurance costs by 3x. It’s Actually Very Affordable!
— The most common reasons given for not having life insurance are (1) perception it costs too much & (2) procrastination
— Average life expectancy is 76 years old
— Up to 25% of adults pass away before age 70. That’s 1 in 4!
— Up to 40% of adult deaths are unexpected
— The average American 40-year-old has $350,000 in total large asset debt
— 60% of American households have less than $10,000 in savings
— Average monthly expenses for a couple with kids is $7,800
— The average cost to raise 1 child through graduation is $310,000
— Less than 40% of adults have their estate planned
— 80% of people prefer NOT to know their death date
There is a statistically significant chance our death could be unexpected & many of us do not have savings to cover more than 3 months of household expenses. Most large household expenses do not stop upon our death. Uninsured financial strain WILL BE in addition to the GRIEF endured by our loved ones left behind.
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Many term life insurance policies look affordable at first — but most premiums jump by at least 300% or more when you renew.
For example:
You buy a 10-year term policy for $80/month, locked in for 10 years.
When year 11 comes around?
✅ No new medical exam required.
🚫 But your premiums will skyrocket — often tripling or more.
Here’s the catch:
These renewal rates are NOT fully disclosed before you buy — you only find out after your original term ends.
Here are examples from actual 10-year term policies, from two seperate carriers, observe the difference in price between year 10 and renewal at year 11: 👇
| Policy Years | Age of the Insured Person | Scheduled Monthly Premiums | Maximum Monthly Premiums |
|---|---|---|---|
| 01-10 | 42-51 | $78.55 | $78.55 |
| 11-15 | 52-56 | $355.42 | $694.17 |
| 16-20 | 57-61 | $577.92 | $1,097.92 |
| Policy Years | Age of the Insured Person | Scheduled Monthly Premiums | Maximum Monthly Premiums |
|---|---|---|---|
| 01-10 | 40-49 | $54.80 | $54.80 |
| 11-15 | 50-54 | $294.80 | $569.17 |
| 16-20 | 55-59 | $474.17 | $922.92 |
| Begining | Annual | Monthly | |
|---|---|---|---|
| October 10, 2027 | 1,110.00 | 96.55 | |
| October 10, 2028 | 13,970.00 | 1,215.45 |
| Begining | Annual | Monthly | |
|---|---|---|---|
| January 13, 2026 | 452.50 | 39.38 | |
| January 13, 2027 | 2,937.50 | 255.55 |
Over half of people with active term life insurance policies have a term that’s too short for
their real needs — and many don’t realize the major price hike waiting at renewal.
At Wavigo, we offer a free, objective review of your current policy.
If there’s a better way to protect your future — with stronger coverage and lower long-term premiums — we’ll show you your options clearly and honestly.
We typically recommend 15x your current annual income and a term that will last until your youngest dependent’s projected 25th birthday.
However, everyone’s circumstances and budget is different and we highly recommend talking it out if you are even slightly unsure. Book a free consultation or take the Life Insurance Power Workshop today!
Definition:
A policy that provides coverage for a fixed period with no cash or investment value while you are alive. You pay premiums for the agreed-upon “term,” and if you outlive the policy, coverage ends with no payout—similar to traditional insurance. However, if you pass away during the term, your beneficiary receives the full policy benefit, provided premiums are up to date at the time of death.
Best for:
Those seeking affordable protection during their prime earning years—typically between ages 20-60—when financial responsibilities like mortgages, children’s education, and income replacement are most critical. Term insurance is significantly more affordable than Whole Life.
Not ideal for:
Individuals with higher net worth who prefer policies with cash value or investment components, or those who can comfortably afford lifetime coverage (up to age 100).
Definition:
Whole life insurance is designed to last your entire lifetime, with an investment component. As you pay your premiums, the policy builds cash value that earns interest, and the coverage matures or pays out up to age 100.
Best for:
Individuals with higher net worth who can afford premiums for life and are looking for a low-risk, low-reward investment option in addition to life coverage.
Definition:
A fixed annuity is a type of insurance contract that provides guaranteed, steady income for a set period or for the rest of your life, starting at a future date. In exchange for a lump sum or periodic payments, the insurer agrees to pay you a fixed income for a predetermined term or until your death.
Best for:
Individuals seeking predictable, low-risk income, particularly those looking for retirement security or to preserve capital while receiving steady, guaranteed payments. Ideal for people who want to ensure a reliable income stream with minimal market risk.
We will review any current policy for FREE & provide an objective assessment.
If you have an active policy in good standing through Wavigo, I will personally ensure that your beneficiaries receive what they are entitled to. I will
handle everything on our end, stand up for their best interests if needed, help them navigate, & provide them with financial guidance & resources to
help secure their future. I will even deliver their benefits in person if desired.
I promise you, no matter what, your family will always have me in their corner.
Owner & CEO Wavigo Insurance Hunters
