Everything you wanted to know — without the fine print headache.
❓ What types of life insurance policies do we offer?
We offer a full range of policies to fit different needs and budgets:
Term Life – Affordable coverage for a set number of years (10, 20, or 30). Great for income replacement and mortgage protection.
Whole Life – Permanent coverage with guaranteed premiums and cash value that grows over time.
Universal Life (UL) – Lifetime coverage with flexible premiums and adjustable death benefits.
Indexed Universal Life (IUL) – Combines lifelong protection with the potential for tax-advantaged cash value growth, based on a market index like the S&P 500.
Final Expense – Smaller, no-medical-exam policies to cover burial and other end-of-life costs.
❓What information do I need to get a policy?
To get started, we’ll need some basics:
Full legal name and date of birth
Social Security Number
Contact info (email, phone, address)
Height and weight
Health history (including medications, past diagnoses, etc.)
Occupation and income
Beneficiary name(s) and relationship
Desired coverage amount and policy type
👉 Depending on the policy, a brief phone interview may be required — but many options skip both.
❓Who can I get a policy on?
You can get a policy on:
Yourself
Your spouse or partner
Your children (minors or adults)
Your parents or grandparents
Anyone you have “insurable interest” in — meaning their loss would financially impact you
Example: You can’t randomly insure your coworker, but you can insure your child’s other parent if you co-parent financially.
❓How are life insurance policies priced?
Life insurance pricing (also called “premiums”) depends on:
Your age – The younger you are, the cheaper it is.
Your health – Healthier applicants get lower rates.
Policy type – Temporary policies and permanent policies matter on price.
Coverage amount – More coverage = higher cost.
Lifestyle factors – Smokers, high-risk jobs, or hobbies (like skydiving) may affect pricing.
We shop multiple companies to find the best price for your budget, background, and goals.
❓Can I get coverage with health issues?
Yes — absolutely. Many companies specialize in covering people with diabetes, high blood pressure, or past health concerns. You may pay more, but coverage is still possible — especially with Final Expense or Guaranteed Issue policies.
❓What if I don’t know how much coverage I need?
That’s what we’re here for. We’ll help you figure it out based on:
Your income
Your family size
Your debt (mortgage, loans, etc.)
Long-term goals like paying for college or leaving a legacy
❓How long does it take to get covered?
Some policies approve in as little as 24-48 hours, especially no-exam options.
❓How do I start?
Easy. Book a free consult or request a quote. We’ll walk you through everything step-by-step — no pressure, no guessing, and definitely no pushy sales.