About
About Vernon Hills Life Insurance
An agency built on arithmetic: add up what your family would face, subtract what you have, cover the difference.
The House Is Line One
Ask most families what would happen if a paycheck stopped, and the first worry is the same: could we keep the house? We built Vernon Hills Life Insurance around that question. After fifteen years in business, it is still where almost every conversation begins.
The method is simple. List the obligations: mortgage balance, years of income, college, other debts. Subtract the resources: savings, workplace coverage, existing policies. The remainder is the gap. Then price the ways to close it, side by side, and let the family pick.
It sounds obvious. It is not how most life insurance gets sold. Too many policies are sized to a round number that sounds comfortable, and they end up too small for the loan or too large for the budget. We would rather show the math, explain every line and stay available when the numbers change, after a refinance, a new baby or a payoff.
Our Rule
Coverage should be sized to a real number. Every family we work with should see how that number was built, compare at least two ways to cover it and know they can call back when life changes the math.
How We Work
Needs before products
Obligations first. The policy is picked to fit the gap.
Licensed advice
Recommendations backed by a licensed agent's accountability.
Options compared
Term, mortgage-matched term and permanent coverage priced together.
Fifteen years of practice
In business for fifteen years and still running the numbers by hand with every family.
After-sale help
Refinances, payoffs and new children all get a recalculation.
The house protected
We make sure the mortgage is covered before anything else.
Our Credentials
The facts behind the numbers.
- In business for 15 years
- Seven coverage lines, all priced over the phone
Where We Work
We serve Vernon Hills and nearby communities including Mettawa, Libertyville, Mundelein, Long Grove, Buffalo Grove, Lincolnshire, Green Oaks, Hawthorn Woods, Riverwoods, Bannockburn and Wheeling.
Bring Your Numbers
Mortgage balance, rough budget, who depends on you. That is all it takes to start.