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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.
Complete this short review

Apply for up to $450K in term life $50K in final expense coverage

What do you want life insurance to protect?
Your information

No obligation to apply. Your information is used only to respond to your request.

A multigenerational family enjoying time together at home
Protection for today and tomorrow Help protect the people who count on you.

Compare your options

Term life or final expense—which fits your goal?

Both help protect the people you love. The difference is what you need the coverage to accomplish.

01

Larger protection for key years

Term Life

Designed for a set period when your family may depend most on your income.

  • Up to $450,000 in coverage
  • Choose 15, 20, 25, or 30 years
  • Helps protect income, a mortgage, debts, and children
  • Living benefits for qualifying illnesses on eligible coverage
  • No physical exam—health questions required

Best fit when: You need a larger amount of protection during specific years.

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02

Permanent protection for life

Final Expense

Whole life coverage designed to help loved ones handle end-of-life costs and other bills.

  • Up to $50,000 in coverage
  • Coverage designed to last for life while premiums are paid
  • Helps with funerals, final bills, or a financial gift
  • Premium and death benefit designed to remain level
  • Builds cash value over time

Best fit when: You want permanent coverage focused on final expenses and legacy.

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Protection with a purpose

See what life insurance can help protect.

Support while you’re living

With eligible coverage, living benefits can give you access to part of the death benefit after a qualifying critical, chronic, or terminal illness.

  • Mortgage or rent
  • Household bills
  • Lost income
  • Care-related expenses

Support for the people you love

The remaining death benefit can help your beneficiaries carry financial responsibilities forward after your death.

  • Funeral expenses
  • Mortgage and debts
  • Everyday living costs
  • A financial legacy

Living-benefit availability depends on the coverage and qualifying event. Using a living benefit reduces the death benefit available to beneficiaries.

Build your protection picture

How much could your family need?

Add the responsibilities you want covered. This quick estimate gives you a starting point for your conversation—not a quote or coverage recommendation.

IncomeMortgageDebtsFinal expenses
Estimated protection need $0

Use this number as a starting point when reviewing your options.

Rose Lorfils, licensed insurance agent and founder of Sunrise Benefit Advisors

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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Sunrise Benefit Advisors

Privacy Policy

Effective September 14, 2026

Sunrise Benefit Advisors respects your privacy. This policy explains how we collect, use, and protect information submitted through this website.

Information we collect

We may collect your name, email address, telephone number, date of birth, gender, state, ZIP code, tobacco-use information, insurance goals, requested coverage, budget, and any other information you choose to provide.

How we use information

We use your information to respond to your request, understand your insurance needs, provide insurance guidance or quote assistance, contact you as authorized, operate and secure the website, and comply with applicable requirements.

How information may be shared

Form submissions are processed through Jotform. We may also share information with service providers that help us operate the website and, when necessary to fulfill your request, with insurers, insurance organizations, or authorized partners. We may disclose information when required by law. We do not sell personal information.

Retention and security

We retain information only as reasonably necessary for the purposes described above and use reasonable safeguards to protect it. No method of online transmission or storage is completely secure.

Your choices

You may ask to review, correct, or delete information you submitted, or ask us to stop contacting you, by emailing rose@sunrisebenefitadvisors.com.
Sunrise Benefit Advisors

Terms of Use

Effective September 14, 2026

By using this website, you agree to these terms. The website provides general life-insurance information and a way to request contact from a licensed insurance agent.

No coverage created

Submitting a form, receiving general information, or discussing a quote does not create insurance coverage or guarantee approval. Coverage is not effective until an application is approved, a policy is issued, and any required premium is received, subject to the policy’s terms.

Product information

Product availability, features, benefit amounts, premiums, and underwriting requirements vary. Final terms are determined by the issuing insurer and the issued policy. If website information differs from a policy, the policy controls.

Your information

You agree to provide accurate information and not misuse the website. Your use of the form is also governed by our Privacy Policy and the consent language shown before submission.

Changes and contact

We may update these terms as the website or applicable requirements change. Questions may be sent to rose@sunrisebenefitadvisors.com.
Important information

Insurance Disclaimer

This website is a solicitation for life insurance. Rosequertha Lorfils is a licensed insurance agent, not an insurance carrier. Information on this website is general and is not a policy, contract, guarantee of coverage, or guarantee of benefits.

Products featured do not require a physical medical exam. Health questions and underwriting requirements apply. Approval, premiums, coverage amounts, policy effective dates, and product availability depend on the applicant and the issuing insurer’s rules.

Living-benefit, accidental-death, child, grandchild, cash-value, and other optional features are available only when included in the applicable policy or rider. Living benefits require qualifying conditions, may reduce the death benefit, and may have tax consequences. Consult an appropriate tax or legal professional for personal advice.

Review the issued policy for complete terms, exclusions, limitations, waiting periods, and benefit details. For questions, email rose@sunrisebenefitadvisors.com.