Frequently Asked Questions

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 For many of our plans—especially final expense and simplified-issue term—there’s no medical exam required. We just ask a few health questions to match you with the right policy. 

 We specialize in:

• Final Expense – Permanent coverage for $5k–$40k, typically with no exam.
   
• Term Life (Simplified Issue) – Higher coverage for 10–30 years, often instant decision.
   
• Whole Life – Lifetime protection with cash value (optional).

• Term Life: Covers you for a set number of years (e.g., 10, 20, 30 years) and is usually more affordable for higher amounts.
   
• Whole Life: Covers you for your lifetime, builds cash value, and has fixed premiums.

 No. With both term and whole life policies, your premium is locked in for the duration of your policy. 

 Rates depend on your age, health, coverage amount, and policy type. We’ll show you side-by-side comparisons so you can see exactly what you’d pay with each carrier. 

 We work with multiple carriers—many are flexible about conditions like high blood pressure, diabetes, or past cancer history. We’ll match you to the carrier that’s most likely to approve you at the best rate.

 It depends on your needs. We can help you calculate:

• Funeral and final expenses
   
• Remaining debts (mortgage, loans)
   
• Income replacement for your family
   
• Future costs (education, caregiving)

 Yes, in many cases. We work with carriers who specialize in covering applicants who’ve been declined elsewhere.

 Yes. Life insurance is tied to the carrier, not your address. If you move, your coverage and rates stay the same.

 Generally, life insurance payouts are not subject to federal income tax for beneficiaries. However, certain circumstances (like interest earned) may be taxable—consult a tax professional for details. 

 Click “Get My Quote”, answer a few quick questions, and we’ll show you your best options. You can apply online or with help from a licensed advisor.