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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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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.
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.

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.

Living benefits in real life

Two ways protection could help.

A family supporting a mother during her recovery at home

When a critical illness changes everything

Time to recover without every bill becoming another worry.

After a qualifying critical illness, a parent may need time away from work. Here is one way access to $50,000 from eligible coverage could help the family focus on recovery.

A hypothetical $50,000 breakdown

Mortgage or rent 6 months × $2,500
$15,000
Replace lost income 4 months × $5,000
$20,000
Care and recovery needs
$10,000
Household bills
$5,000
Total
$50,000
A father handling household responsibilities while his children study nearby

Keeping home and family life steady

The mortgage gets paid. The children keep their routine.

After an approved qualifying event, here is one way $30,000 from eligible living benefits could help keep the home and children’s everyday support in place.

A hypothetical $30,000 breakdown

Mortgage or rent 6 months × $2,500
$15,000
Childcare and school needs
$6,000
Therapy or support services
$6,000
Utilities and daily necessities
$3,000
Total
$30,000

Examples are hypothetical and for educational purposes only. Living benefits are available only with eligible coverage and a qualifying event. Available amounts depend on policy terms, and using living benefits reduces the death benefit available to beneficiaries.

Final expense in real life

What could $20,000 help cover?

A family could use a final-expense benefit for more than the funeral itself. It may also help settle immediate bills and leave loved ones a small financial cushion while they adjust.

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One hypothetical example

Funeral home and service
$7,000
Burial or cremation
$3,000
Transportation and paperwork
$1,000
Final household bills
$4,000
Family cushion or legacy
$5,000
Coverage example
$20,000

Illustrative example only. Actual costs, needs, coverage, and policy benefits vary by person and policy.

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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Effective September 14, 2026

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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.

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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.