We'll get you an unbeatable quote for life insurance

Martin and Chelsea are easy to work with. They make sure you understand the different types of life insurance policies and help you choose the right one that works best for you.
— Marlinda Davies
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M Wealth Group
Helping clients build wealth
For 10+ years
Innovative policies

Life insurance that protects and builds wealth

Looking for life insurance that does more than the basics? M Wealth Group has you covered with policies designed to protect you and your loved ones and help you build wealth now.

Our experienced team, led by Martin and Chelsea Matthews, takes the time to understand your unique needs and find the right plan for you. Our life insurance does double duty - providing crucial protection for the future while offering savings and growth opportunities today. We believe life insurance can be so much more than just a safety net.

Let us show you how our innovative policies can secure your family's future and support your financial goals today. At M Wealth Group, we're committed to life insurance that protects, saves and grows.
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Life Insurance

What's the difference?

Term life insurance

Term insurance provides coverage for a specific duration, typically up to 30 years. It's a straightforward protection plan that offers a death benefit without the investment component.
Coverage typically lasts up to 30 years.
Monthly premiums are generally fixed for the chosen term.
"Group term" from employers usually isn't transferable between jobs.
Modern policies may offer "living benefits" which can pay you while you’re still living if you got critically or chronically sick.
Mainly provides a death benefit without cash value accumulation.

Permanent life insurance

Permanent insurance offers lifelong coverage that incorporates a savings element, allowing you to build cash value over time.
Provides coverage for your entire life.
Contains a cash value component, growing tax-free at average rates of 6-8% depending on your policy’s performance.
Cash value can be accessed via withdrawals or loans.
Premiums are flexible, with options to adjust based on your financial goals.
Beneficiaries receive a death benefit upon your passing.
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Life insurance FAQs

Is life insurance a want or need?

If you want to protect yourself or your family in case something happens, you need life insurance. Some types of life insurance will offer you cash flow and returns each year. Do you want to leave your family bills or benefits? It's up to you!

Where to start with life insurance?

Begin your search by speaking with a life insurance broker. A broker will shop rates from multiple top-rated insurance companies to get you the best policy at the best price. This way, you can choose the best policy for you and your family.

What goes into life insurance pricing?

Your age, lifestyle, health, career and driving history all play a role in pricing. Insurance companies will assess your overall risk based on these details. If you are young and healthy, premiums will be lower. Higher risk individuals may pay more.

How much life insurance is too much?

There's no such thing as "too much" life insurance - It comes down to your needs and how much life insurance the company is willing to approve. A good rule of thumb is 10-20 times your income in life insurance. An agent can provide guidance on calculating the right amount for you.

Talk to our life insurance professionals!

You might hear people say, "life insurance is about cash flow." But what does that mean? 

With the right life insurance, like whole or universal policies, you gain access to a "cash value" that's like a personal savings fund. A part of your premiums contributes to this fund, which grows over time. You can borrow against this cash value without credit checks or applications, turning your policy into a versatile financial tool. Not only do these policies offer a death benefit, but they also let you tap into a fund that earns interest. It's a unique feature that allows your money to work for you.

At M Wealth Group, we can advise you on how to use life insurance to your advantage and provide your family with cash flow for years to come. Our expert guidance takes the guesswork out of this important decision. Reach out and receive a free consultation today! We can provide a personalized life insurance quote to fit your needs.
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life insurance 101
Learn the life insurance basics


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M Wealth Group
M Wealth Group
Together, Martin and Chelsea use their professional expertise and life experiences to provide personalized financial strategies to help clients achieve their goals.
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