Term life insurance
Protection for a set number of years. It is designed for the years your family needs the largest death benefit to replace income, protect the mortgage, and support your children.
Start your protection plan
Coverage designed around your needs
Explore options for protecting your income, mortgage, family, and final expenses.
- No Medical ExamsSkip the physical exam—just answer a few health questions.
- Living BenefitsAccess part of your death benefit while living after a qualifying illness.
- Instant DecisionsGet a quick application decision without waiting weeks.
Protection for today and tomorrow
What if life insurance could help you while you’re still living?
Experience hassle-free applications with no medical exams required! Simply respond to a few quick health questions, and you’re on your way.
Living benefitsAccess part of your death benefit while living after a qualifying critical, chronic, or terminal illness.
Death benefitHelps protect your family’s income, mortgage, debts, and final wishes.
No medical examApply by answering a few health questions—no physical exam required.
Quit-smoking benefitQualifying nicotine users can get covered now and receive a premium benefit after quitting and meeting program requirements.
Prefer to talk? Call Rose at (754) 777-0931.
Personal guidance without pressure
Meet Rose
Hi, I’m Rose Lorfils.
I’m a licensed insurance agent with 15 years of experience helping individuals and families understand their coverage options and make confident decisions about protecting the people they love.
I created Sunrise Benefit Advisors to make insurance feel simpler, clearer, and less overwhelming. My goal is to help you understand your options, answer your questions, and find protection that fits your needs and budget.
Whether you’re looking for life insurance, final expense coverage, or term protection, I’m here to walk you through the process one step at a time.
Licensed Insurance Agent since 2011
Licensed in Florida, Iowa, Maine, Michigan, North Carolina, Texas, and Virginia
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Two ways to protect your family
Choose protection for today, tomorrow—or both.
Whole life insurance
Permanent protection designed to last for life while premiums are paid. It can provide money for final expenses, leave an inheritance, and protect your family for the long term.
Protection for the years that matter most
Term Life Insurance
Term life insurance provides a larger amount of protection during the years your family depends on your income. It can help your loved ones maintain their lifestyle, stay in their home, pay outstanding debts, and provide for your children if you’re no longer there.
Review my options- Choose 15, 20, 25, or 30 years of protection
- Helps replace lost income
- Helps protect the mortgage and other debts
- Provides financial support for children and dependents
- Premiums can remain level during the selected term
- Up to $450,000 in coverage
- No medical exams—health questions required
- Living-benefit and family-protection options may be available
Protection that lasts
Final Expenses
Permanent life insurance that helps your family handle final expenses, outstanding bills, and the inheritance you want to leave behind. Coverage begins immediately for eligible applicants, builds cash value, and requires no physical exam—just a few health questions.
Review my options- Permanent whole life coverage
- Up to $50,000 in coverage, subject to eligibility
- Coverage can begin on the policy’s effective date
- Premium and death benefit designed to remain level
- Builds cash value over time
- No physical exam—health questions required
- Optional protection may be available for children and grandchildren
- Living-benefit and accidental-death features may be available