? How much life insurance do I actually need?
A common starting point is 10–15 times your annual income, but the right number really depends on your situation — outstanding debts, your mortgage, future needs like college tuition, and how many people rely on you. We'll run a quick needs assessment so you're neither underinsured nor paying for coverage you don't need.
? Can I borrow money from my policy?
Term covers you for a set number of years at the lowest cost. Whole and IUL are permanent and build cash value over time. Final Expense is a smaller policy made just for funeral and end-of-life costs.
? What's the difference between IUL, and Final Expense?
Term covers you for a set number of years at the lowest cost. Whole and IUL are permanent and build cash value over time. Final Expense is a smaller policy made just for funeral and end-of-life costs.
? How long does it take to get covered?
Quotes are same-day, often within minutes. Policy issuance then depends on the coverage type and underwriting. Some plans approve almost instantly, while others take a little longer.
? Do I have to take a medical exam to qualify?
Not always — many policies offer no-exam or simplified-issue options. You just answer a few health questions instead. A traditional exam can sometimes unlock lower rates, and we'll help you decide.
? I already have a policy — can you review it?
Absolutely, and it's completely free. We'll check for any gaps, overlaps, or overpayments in your current coverage. If we can get you a better plan or rate, we'll show you how.
