Frequently asked questions
1. Do I really need life insurance if I'm young and healthy?
Yes! Getting it while you're young and healthy is one of the smartest financial moves you can make. You'll lock in the lowest rates and get more options like living benefits.
2. What's the difference between term and whole life?
Term Insurance covers you for a set period of time and is typically lower in cost. Whole life offers lifelong coverage and builds cash value over time.
3. How much coverage do I need?
That depends on your income, debt, goals, and family situation. Don't worry - I'll walk you through it step by step.
4. Do you work with people who have health conditions?
Absolutely. There are options for nearly everyone - even if you've been declined elsewhere.
5. Do I need to get a medical exam?
NO. We only work with A+ rated carriers that engage in simplified underwriting. They will complete a prescription history check to determine which catergory you fall into. Most of our carriers offer instant decision which allows for you be quoted, enrolled and activated all in the same day with no waiting period.
6. Can I borrow money from my life insurance policy?
In certain cases, yes. Depending on the type of life insurance policy and how it is used, it can be considered a financial asset due to its ability to build cash value over time.
7. How much does life insurance cost?
There are four major factors that determine the premium cost:
Age- premiums are lower the younger and healthier you are.
Health- Your medical history and current health are major factors.
Lifestyle- Risky hobbies or dangerous jobs can cause your premium to be higher.
Coverage amount- Generally the more coverage you have the higher the premium will be.
Got more questions?
Use the form to ask a question or book a free consultation.