Life · Long-Term Care · Disability · Annuities
How much life insurance does your family really need?
Find out in about 3 minutes, then talk it through with a local advisor — free, no pressure, no obligation.
About 4 in 10 adults overestimate what a term policy would cost them. See your real number. 2026 Insurance Barometer Study, LIMRA & Life Happens.
Free · About 3 minutes · No personal info
See your real coverage number in minutes.
This estimator covers life insurance. Interested in long-term care, disability, or annuities? Skip it and book a meeting.
We use this to estimate your working years ahead.
Pre-tax income you'd want to replace for your family.
Default ≈ a four-year in-state public education.
How long your family would rely on your income.
Car loans, credit cards, student loans, etc.
Funeral and end-of-life costs.
Include any coverage through your employer.
Liquid savings and investments you'd put toward these needs.
Debts + income replacement + mortgage + education, minus what you already have.
The present value of the future income you'd want to replace.
We'll email your estimate. No phone number required.
This is an educational estimate based on three common methods (income multiple, DIME, and human-life value). It is not a recommendation, quote, application, or guarantee of coverage or cost. Insurance and investment products are offered through Osaic Institutions, Inc., Member FINRA/SIPC, and are not FDIC insured, not bank guaranteed, and may lose value. Your advisor will tailor any recommendation to your full financial picture.
Why it matters
of people price life insurance on a gut feeling or a wild guess — not a real quote
LIMRA / Life Happens, 2026 Insurance Barometer Study
Americans who need — or need more — coverage
LIMRA / Life Happens, 2025 Insurance Barometer Study
of today's 20-year-olds will face a disability before retirement
Social Security Administration
of 65-year-olds will need some long-term care
U.S. Dept. of Health & Human Services
Coverage that fits real life
Protection built around the people you love.
Covering a mortgage. Replacing a paycheck. Planning ahead for care. Whatever it is you're protecting, a local advisor helps you find coverage that fits — and explains the trade-offs plainly.
Life
Term life
The most coverage for the lowest cost — protection for the years your family depends on you most.
Good to know: coverage lasts a set term and builds no cash value; many policies can convert to permanent later.
Talk to an advisor →Life
Whole & permanent life
Lifelong coverage with level premiums and cash value you can build on over time.
Good to know: costs more than term for the same face amount; cash value grows slowly in the early years.
Talk to an advisor →Care
Long-term care
Help protect your retirement savings — and your family — from the high cost of extended care.
Good to know: Medicare doesn't cover most long-term care; premiums on traditional policies can change.
Talk to an advisor →Income protection
Disability income
Your paycheck is your biggest asset. Replace part of your income if illness or injury keeps you from working.
Good to know: benefits replace a portion of income, not all; most claims come from illness, not accidents.
Talk to an advisor →Retirement income
Annuities & lifetime income
Turn savings into income you can't outlive, with options for principal protection and tax-deferred growth.
Good to know: annuities are built for long-term goals — your advisor will walk through access rules and how the guarantees are backed before you decide anything.
Talk to an advisor →Business & home
Business & mortgage protection
Key-person and buy-sell coverage for owners, plus mortgage protection so your home stays your family's.
Good to know: the right structure depends on your business and tax situation — we'll coordinate with your advisors.
Talk to an advisor →Protection is half the picture. Ion Investments also offers investment management & retirement planning — one local team for both.1
Explore investing at IonInvestments.com →Why Ion
A local advisor who's here before and after the policy.
We're your neighbors. Advisors live and work in the communities we serve, and we're here for the claims, the reviews, and the life changes — not just the sale. When you call, you reach a person who knows your name.
the median annual cost of a private nursing-home room in Connecticut — more than 1.5× the national median of $129,575. Two years of care could run roughly $401,500. We help you plan for it before it's urgent.
CareScout Cost of Care Survey, 2025 (published March 2026).
“Insurance isn't really about products — it's about the people you'd do anything to protect. We help local families put the right coverage in place, and we're here long after the policy is signed.”
Our Team
Your local advisors
Real people you'll actually meet with — local advisors serving families across Connecticut, Massachusetts & New Jersey.
Financial advisors are registered representatives of Osaic Institutions, Inc. Research their backgrounds on FINRA's BrokerCheck.
How it works
Three steps. No pressure.
Most families go from “not sure” to protected in two short conversations. Here's the entire process — and you can stop at any step.
Estimate
Start with a quick life-insurance estimate online — no personal details, no phone number. Planning for care, income, or retirement instead? Skip straight to step 2.
3 minutes · Free
Try the estimator →Meet
Sit down with a local advisor — in person, by phone, or on video. We check your estimate against your full picture and compare options across carriers.
30 minutes · No obligation
Talk to an advisor →Protect
If coverage fits, we handle the applications and paperwork — then stay with you for reviews, claims, and every life change after.
Ongoing · Reviews & claims
See what we cover →FAQ
Fair questions.
Straight answers, before you ever pick up the phone.
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Still wondering about something? Call 866.803.0111 — a person answers.
Book a meeting
Talk to a local Ion advisor.
A free, no-obligation conversation. We'll get to know your family and show you where you stand — no jargon, no pressure.
Amanda leads our life insurance practice, helping clients build a strong foundation for their overall financial plan.
Prefer to talk now? Call us at 866.803.0111.
Step 1 of 2 · Under a minute
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Step 2 of 2 · How to reach you
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A local Ion advisor will reach out within one business day to schedule your free, no-obligation meeting. We respect your privacy — see our privacy notice.
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Offered through Osaic Institutions, Inc., Member FINRA/SIPC. Ion Investments and Ion Insurance are trade names of Ion Bank; Osaic Institutions and the bank are not affiliated. Full disclosures below.
For your security, please do not include account numbers, Social Security numbers, or other confidential information.