Life Insurance

Protect Your Loved Ones with Flexible, Modern Coverage.

Life insurance isn’t about you—it’s about the people who depend on you. Whether it’s your family, business partners, or future generations, the right coverage ensures financial security and peace of mind no matter what life brings.

At Cross-Practice, we make life insurance simple, affordable, and tailored to your needs. With modern application processes and trusted carrier partnerships, many clients can now be approved without a medical exam—sometimes in as little as 10 minutes.

What Is Life Insurance?

Life insurance is a contract that provides a financial payout to your beneficiaries if you pass away. It helps your

loved ones cover expenses, replace lost income, or achieve long-term financial goals.

There are two primary categories of life insurance:

Term Life Insurance

 Affordable protection for a set period (10, 20, or 30 years). Ideal for covering mortgages, raising children, or other temporary needs.

Permanent Life Insurance

Lifetime coverage with added benefits like cash value growth and estate planning. Includes whole life, universal life, and indexed universal life.

Why Life Insurance Matters

Without life insurance, your family could face financial hardship at the worst possible time. A policy can:

  • Pay off a mortgage or large debts

  • Replace lost income so your family maintains their lifestyle

  • Fund college tuition or future goals

  • Cover final expenses and estate settlement costs

  • Support business continuity or succession planning

Modern Trends in Life Insurance

The industry has changed. In the past, applying for life insurance often meant weeks of paperwork, medical exams, and waiting. Today, Cross-Practice brings you options that make the process faster and easier:

No Medical Exam Options

Some policies can be approved instantly, based on your application and health data.

Digital Applications

Apply right from your tablet or smartphone.

Faster Approvals

Cut the traditional 60-day underwriting cycle down to 10 days or even same-day approval.

Through our partnership with Ethos, clients can apply online and get a decision in minutes.

Types of Life Insurance We Offer

At Cross-Practice, we help you select from a full suite of coverage options:

Term Life Insurance

Affordable, straightforward protection for temporary needs. Coverage typically lasts 10–30 years and is an excellent choice for young families, homeowners, and anyone with short- to mid-term obligations.

Whole Life Insurance

Permanent protection that never expires as long as premiums are paid. Builds cash value that grows over time and can be borrowed against for financial flexibility.

Universal Life Insurance

Lifetime coverage with flexibility in premiums and benefits. Allows you to adjust as your circumstances change.

Indexed Universal Life (IUL)

 Cut the traditional 60-day underwriting cycle down to 10 days or even same-day approval.

How Much Coverage Do You Need?

The suggested range is often 10–15 times your annual income, but the right amount depends on your lifestyle, debts, dependents, and long-term goals.

Factors to consider:

  • Age of your spouse

  • Number and ages of children

  • Current and future income needs

  • Mortgage and other debts

  • Education funding goals

  • Whether your current assets can offset these obligations

Cross-Practice works with you to calculate the right level of protection—without overpaying for unnecessary coverage.

Frequently Asked Questions (FAQs)

How fast can I get approved for life insurance?

With our no-exam, digital application process, some clients receive approval in as little as 10 minutes.

Do I need a medical exam?

 Not always. Many policies today, especially for those under 50 and in good health, don’t require one.

What’s the difference between term and whole life insurance?

Term is temporary and affordable. Whole life is permanent and builds cash value. Cross-Practice helps you decide which fits your goals.

Is life insurance through work enough?

Usually not. Employer policies are often limited and don’t follow you if you change jobs. A personal policy provides stability.

Can business owners deduct premiums?

 In certain structures (like split-dollar or defined benefit plans), yes. Our team helps business owners maximize tax advantages.

Why Trust Cross-Practice?

Choosing life insurance isn’t just about finding a policy—it’s about finding a partner who understands your goals.

Cross-Practice stands out by offering:

  • Over 15 years of experience in life insurance and financial services

  • Licensed professionals with Series 65, 63, 7, and 24 credentials

  • Partnerships with leading carriers for flexible options

  • A commitment to listening first, tailoring strategies, and treating clients with care

Take the First Step

Life insurance is simpler and more affordable than most people think. With Cross-Practice, you’ll get expert guidance, access to modern tools, and the peace of mind that comes from protecting the people you love.

Get Your Free Quote Today