Open today, 8:30 AM to 5:30 PM · 8801 Lead Mine Rd, Suite 214 · Raleigh, NC
S
Stevens & Co.
(516) 780-1385 Get a Quote
HomeLife Insurance

Life insurance that protects
the people who matter most.

Term, whole, IUL, and key person coverage structured around your income, family, and long-term goals. Free needs analysis on every quote.

Quote request

Get a life insurance quote.

Tell us a few quick details and a licensed Stevens & Co. life specialist will follow up with options from 15+ A-rated carriers.

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What's included

Coverage for every stage of life.

From young families just starting out to business owners planning for succession, we match you with the right policy for where you are right now.

Term Life

Affordable coverage for 10, 20, or 30 years. Ideal for young families who need maximum protection at the lowest cost while the kids are home.

Whole Life

Permanent coverage that never expires and builds cash value. Premiums stay level for life, and you can borrow against the policy.

Indexed Universal Life

Flexible permanent coverage with cash value tied to a market index. A smart option for high earners looking for tax-advantaged growth.

Key Person

Protects your business if a critical owner, partner, or employee passes away. Covers lost revenue and keeps operations running.

Buy-Sell Funding

Life insurance structured to fund a buy-sell agreement so the business stays in the right hands when an owner passes.

Final Expense

A small whole life policy designed to cover funeral, medical, and end-of-life expenses. Detailed coverage on its own page.

S&Co
Why life insurance matters

Your family's future shouldn't depend on what happens tomorrow.

No one likes to think about it, but life insurance is the single most important financial decision you can make for the people you love. It replaces your income, pays off your mortgage, and keeps your children in the same school, even if the worst happens.

  • Replace lost income, make sure your family can pay the bills, the mortgage, and everyday expenses.
  • Cover education costs, fund your children's college or trade school, no matter what.
  • Pay off debts, eliminate the mortgage, car loans, and credit card balances so your family starts fresh.
  • Independent agency, we shop 15+ life carriers and explain every option in plain language.
Talk to a life specialist

Life insurance
questions.

The questions we hear most about life insurance, answered the way we'd answer them on the phone.

How much life insurance do I actually need?

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Rule of thumb is 10 to 15 times your annual income, plus mortgage and education costs. We run a free needs analysis to size it right for your specific household.

Term or whole, which one should I get?

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Most families: term covers the years your kids are home and the mortgage is biggest. Some households also need a small permanent policy for legacy or estate planning. We'll lay out both side by side.

Do I need a medical exam?

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Many of our carriers offer no-exam options up to $1M for healthy applicants. For larger policies or pre-existing conditions, a paramed exam is usually still required, but we have streamlined-underwriting carriers too.

Can I change my coverage later?

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Yes. Most term policies are convertible to permanent without a new exam, and we review your coverage annually so it keeps pace with your life.
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Reach us directly

Phone
(516) 780-1385
Email
hello@stevensandco.com
Office
8801 Lead Mine Rd · Suite 214 · Raleigh