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Frequently Asked Questions
Common Questions Answered for your convenience.
What types of life insurance do you offer?
Term life, whole life, and universal life. Term covers you for a set period (10, 20, 30 years). Whole life covers you for life and builds cash value. Universal life gives you flexibility to adjust premiums and coverage. We'll walk you through which one makes sense for your situation.
How much life insurance coverage do I actually need?
Depends on what you're protecting—mortgage, kids' college, income replacement, final expenses. A good rule of thumb is 10-12x your annual income, but we'll look at your specific situation and debts to figure out the right number. No guessing, just math.
How does the application process work?
Quick call to discuss your needs, we get you quotes from multiple carriers, you pick one, fill out an application, and in most cases you'll need a brief medical exam. Then we wait for underwriting approval. Start to finish usually takes 4-6 weeks, sometimes faster.
Can I get coverage if I have health issues?
Usually, yes. High blood pressure, diabetes, past cancer—we work with carriers who specialize in different conditions. Some health issues mean higher premiums, but we'll find you options. Even if you've been declined before, we can often find a solution.
How much does life insurance actually cost?
Depends on your age, health, coverage amount, and type of policy. A healthy 35-year-old might pay $30-50/month for $500k in term coverage. A 50-year-old might pay $100-150/month for the same. We'll get you real quotes based on your actual situation, not generic estimates.
What's the difference between term and whole life insurance?
Term is pure protection for a set time period—cheaper, straightforward. Whole life covers you forever and builds cash value you can borrow against—more expensive, but permanent. Think renting vs. buying. We'll help you decide which fits your goals and budget.