Life Insurance Basics

Common Questions About Life Insurance

Life insurance is a contract that pays a sum of money (death benefit) to your beneficiaries when you pass away. It's essential for protecting your family's financial future, covering expenses like mortgage payments, children's education, daily living costs, and final expenses. If anyone depends on your income, life insurance ensures they'll be taken care of.

A common rule of thumb is 10-15 times your annual income, but the right amount depends on your specific situation. Consider your outstanding debts (mortgage, loans), income replacement needs, children's education costs, and final expenses. During your free consultation, we'll help you calculate the coverage amount that fits your family's unique needs.

Term life insurance provides coverage for a specific period (10, 20, or 30 years) and is the most affordable option. It's pure protection with no cash value. Whole life insurance provides permanent coverage for your entire lifetime, builds cash value over time, and has fixed premiums. Term is best for temporary needs; whole life is best for permanent protection and estate planning.

Not always! Many policies we offer are "no-exam" policies that only require answering health questions. These are convenient and fast, though they may have slightly higher premiums. Traditional policies with medical exams often offer the best rates for healthy individuals. We'll help you choose the right option based on your health, budget, and timeline.

Life insurance is more affordable than most people think! A healthy 30-year-old can get a 20-year term policy with $500,000 in coverage for as little as $20-30 per month. Costs depend on your age, health, coverage amount, and policy type. The younger and healthier you are, the lower your premiums. Get a free quote to see your personalized rates.

Yes! While pre-existing conditions may affect your rates, many people with health issues can still get coverage. We work with multiple carriers who specialize in different health conditions, from diabetes to heart conditions to cancer survivors. During your consultation, we'll find the best options for your specific situation.

Working With Us

Questions About Our Process

It depends on the policy type. No-exam policies can be approved in as little as 24-48 hours. Traditional policies with medical exams typically take 2-4 weeks. We'll guide you through the fastest path to get your family protected, and some policies even offer temporary coverage while your application is being processed.

Absolutely! Your consultation is 100% free with no strings attached. We'll analyze your needs, explain your options, and provide personalized recommendations—all at no cost. There's never any pressure to buy, and you're under no obligation. We believe everyone deserves access to professional insurance advice.

As an independent agency, we work with multiple top-rated insurance carriers. This means we can shop the market for you and find the best coverage at the best price. We only partner with financially strong, A-rated companies you can trust to be there when your family needs them most.

Yes! Life changes, and your coverage should too. Many term policies can be converted to permanent coverage without a new medical exam. You can also add coverage as your needs grow—like when you buy a home or have children. We recommend annual policy reviews to ensure your coverage still fits your life.

We don't disappear after the sale! You'll receive your policy documents, and we'll walk you through everything. We're here for ongoing support—questions about your policy, beneficiary changes, claims assistance, or annual reviews. We're your insurance partner for the long term.

Frequently Asked Questions

Common Questions About Life Insurance

Questions About Our Process

Still Have Questions?