Life & Disability Insurance
Life & Disability Insurance for Protection, Income & Legacy
From term life and whole life insurance to individual disability coverage, we help build a personalized insurance strategy designed to protect your family, income, assets, and long-term financial goals.
Term Life Insurance
Affordable, straightforward coverage for a set period — 10, 20, or 30 years.
- Fixed-term coverage
- Mortgage & income protection
- Lower cost than whole life
Whole Life Insurance
Permanent coverage with a fixed premium, guaranteed death benefit, and growing cash value.
- Lifelong coverage
- Guaranteed death benefit
- Builds cash value
Disability Insurance
Replaces a portion of your income if illness or injury keeps you from working.
- Income replacement
- Short & long-term options
- Protects your paycheck
Why SureNest
Independent means we work for you, not one carrier
Licensed & independent
We're not tied to a single insurer, so recommendations are based on what fits you — not a sales quota.
Multi-carrier comparison
One conversation, several quotes — we do the shopping across top-rated carriers for you.
Personal, local service
Real answers from a real broker in Santa Clara — recognized as a 2025 Women of Impact honoree.
FAQ
Common questions
How do I decide between term and whole life?
Term life is usually the right fit if you need coverage for a specific period — like the years you're paying a mortgage or raising kids. Whole life makes more sense if you want lifelong coverage plus a savings component, and the higher premium fits your budget.
Does my employer's disability coverage replace the need for my own policy?
Often not fully. Employer-provided disability coverage is frequently limited in amount or duration and disappears if you change jobs. An individual policy can fill that gap and stays with you regardless of employer.
How much life insurance do I actually need?
It depends on your income, debts, dependents, and how many years you want to replace income for. We'll walk through a quick calculation together rather than relying on a generic multiple of your salary.