Frequently Asked Questions

In most cases no. Most plans do not require a physical exam. Some policies and individual circumstances may require a medical exam. If you do require a medical exam, the process is simple and no cost to you. We can even arrange the exam at your home!

Not any more. No salesman will visit your home. With advances in technology we can take care of everything right over the telephone and email.

Absolutely not. The only money you pay is the premium for your policy.

Mortgage Protection will payoff the full amount or a portion of your mortgage if you pass away. Most programs offer "living benefits" which will pay out while you are alive in the event you are diagnosed with a chronic, critical or terminal illness.Some examples include cancer, stroke or chronic heart disease.

If you or your spouse were to get sick or pass away, would your family have enough resources to continue their current lifestyle? If the answer is "no", you need life insurance.

Term Life Insurance is in force for a particular period time like 10, 20 or 30 years. If you were to pass away during the "term", the policy will pay your beneficiary. At the end of the term the policy simply expires. Permanent coverage or Whole Life stays in force for your entire lifetime until age 121.

In most cases no. You will pay the same monthly premium for the duration of the policy. Some policies due have increasing premiums, but these are for clients with unique circumstances.

Yes! While this is a more expensive option, it can be a great value. The way these policies work; if you do not use benefits in the policy for 30 years, the insurance company pays you back all the money you paid for premiums. Many clients love this option.

Living Benefits or the technical term "Accelerated Death Benefit Rider" pays benefits while you're alive if you are diagnosed with a chronic, critical or terminal illness or you had to be admitted to a nursing home or lost the ability to perform 2 or more daily activities. Most policies we offer have Living Benefits. Ask your agent for details.

Most employer based life insurance plans automatically cancel if you are laid off, terminated or leave your job. In some cases, you may be able to continue the policy at an increased premium. Best practice to have YOUR OWN policy which would not be affected by a job change.

This is a common misconception. "Mortgage Insurance" which shows on your monthly mortgage statement protects the lender in the event of default. IT DOES NOT PROTECT YOU. If you pass away or get sick "Mortgage Insurance" will not protect your family.

We represent several carriers like Mutual of Omaha, AIG, Trans America, Foresters Financial, National Life Group and many others. We work with you to select carrier to meet your needs with a premium to fit your budget.

All insurance companies have different strengths depending on the client's individual circumstances. Some companies are more friendly to smokers, other companies are more friendly to diabetics while still others focus only on the most healthy. By representing several insurance companies we work to find the right company for you at the most competitive rates.

AM Best rates insurance companies based on the companies financial strength, ability to process and pay claims and other metrics . Insurance companies with an"A" rating or higher among the very best.

Mutual of Omaha, Trans America, AIG, Foresters Financial and National Life Group to name a few. We represent several other carriers and work with you to find the best company to meet your family's needs at a payment to fit your budget.