How Leila Mendez Helped Yours Clients Save with the Best Life Insurance Policies (And What You Should Know Too)
Hey! I’m Leila Mendez — 24 years old, originally from Lisbon, Portugal, and now living in Austin, Texas, working as a licensed life insurance specialist. I’m not just in the business of policies. I’m in the business of peace of mind.
When I moved to the U.S. at 19 on a scholarship, I barely understood what a deductible was. Fast forward five years, and I’ve become one of the youngest advisors in my firm to manage over 300 clients, mostly women under 30. Why? Because I make insurance make sense — without the intimidating jargon.
Let me walk you through how I went from clueless college student to someone saving families thousands through the best life insurance policies.
Let’s Talk About the “Why” Behind Life Insurance
I get it. You’re young, healthy, probably more focused on student loans or travel than death benefits. But here’s what nobody tells us in our 20s: life insurance isn’t about dying — it’s about protecting your dreams while you’re alive.
A term life policy can start as low as $15/month. That’s less than what I spend on matcha lattes. And yet, it can lock in $500,000 or even $1 million in protection for your loved ones.
How I Helped a Client (and New Mom) with a Policy That Changed Everything
A few months ago, a 23-year-old client of mine, Jasmine, had her first baby. She thought life insurance was “something for older people.” But we talked — mom to woman — and I asked her: “If something happened tomorrow, who would take care of your son?”
She went with a $25/month term policy. Two months later, her husband had a major health scare. They didn’t need the policy yet, thank God. But knowing it was there? It gave them breathing room. That’s what insurance is about: freedom.
“But Leila, What’s the Best Life Insurance?”
Great question — and super keyword-rich (I see you, Google!). Truthfully, it depends on your situation. But here’s a breakdown I share with friends all the time:
1. Term Life Insurance
Best for: Young adults, new families, budget-conscious folks
Providers I trust: Haven Life, Banner Life, Pacific Life
Keyword win: best term life insurance for young adults
2. Whole Life Insurance
Best for: Long-term wealth building, estate planning
Providers: MassMutual, Northwestern Mutual
Higher cost, but includes cash value over time.
💡 Think of underwriting like a risk detective. The insurance company checks your age, health, lifestyle, and says: “How risky is this person to insure?” The healthier you are, the lower your premium.
My Three Rules for Choosing the Best Life Insurance Policy
Compare quotes online: Sites like Policygenius and SelectQuote are goldmines.
Don’t lie on your application. It’ll come back to bite you — seriously.
Get more coverage than you think you need. Inflation and kids come faster than expected.
A Quick Note on No Medical Exam Life Insurance
If needles freak you out (same here), good news: there are plenty of no medical exam life insurance options that still offer solid protection. Carriers like Bestow and Ethos specialize in these. Just remember — you might pay slightly more for the convenience.
Final Thoughts From Your Favorite Insurance Nerd
I’m not here to sell you something. I’m here to help you see insurance as self-love. It’s not about fear. It’s about creating a future you control.
If you’re reading this and thinking, “Wow, maybe I should finally look into this…” — do it. Your future self (and maybe even your future family) will thank you.