Life Insurance, Explained Simply

One of the most important financial decisions you'll make, walked through without sales pressure — just honest advice about what actually fits your family and your budget.

❤️ Life Insurance, By the Numbers

The Numbers Behind Life Insurance

74 million Americans say they need life insurance, and another 25 million say they need more of it. Whether you're covered through work, weighing term vs. whole life, or just haven't gotten around to it, a five-minute conversation can tell you exactly where you stand.

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74M Americans say they need life insurance
51% have some type of life insurance coverage
46% say cost is why they don't have more
43% of women say they need more coverage

Myth vs. Fact

Myth

Life insurance costs more than most people can afford.

Fact

A policy can cost about as much as a monthly streaming subscription — often far less than people expect.

Myth

The life insurance I have through work is enough.

Fact

Workplace coverage is often limited, tied to your job, and may not match what your family would actually need.

Myth

Healthy people don't need life insurance.

Fact

Premiums are generally lowest when you're healthy — locking in a policy now protects your family and your rate.

Myth

I'm single with no dependents, so it wouldn't help me.

Fact

Coverage can still cover personal debt, co-signed loans, or funeral costs so they don't fall on your family.

Myth

Life insurance only matters if the business owner passes away.

Fact

It can also be a useful piece of business planning, including managing your company's tax picture — Ryan can walk through the details with you (not tax advice — always confirm specifics with your tax professional).

Source: 2025 Insurance Barometer Study, Life Happens and LIMRA.

Life insurance gets put off more than almost any other coverage — not because people don't care, but because the options feel confusing and the conversation feels uncomfortable. It doesn't have to be either.

Ryan walks through term versus permanent options in plain language, helps you figure out how much coverage actually makes sense for your situation, and never pressures you into a policy that doesn't fit your budget or your goals.

What We Cover

From straightforward term coverage to permanent policies and business planning — here's the ground we cover.

Why This Conversation Is Worth Having

  • 👨‍👩‍👧
    Income Replacement

    Makes sure your family can maintain their life — mortgage, bills, kids' education — if something happens to you.

  • 💵
    Cheaper Than You Think

    Term coverage for a healthy adult is often far less expensive than people assume — it's worth an actual quote before ruling it out.

  • 📋
    No Sales Pressure

    Ryan explains the real tradeoffs and lets you decide — the goal is the right fit, not the biggest policy.

10–30 yr
Term lengths available to match your timeline

Life insurance is just one piece of the picture. Reardon Agency also handles home, auto, and umbrella coverage — and business insurance if you're a business owner too.

See Personal Lines Options →

Let's Find the Right Fit

A quick conversation is all it takes to get real numbers instead of guesses.

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Find What You Need
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