Frequently Asked Questions

Get answers to common questions about life insurance, final expense, and retirement planning.

FAQ

Answers by Category

Click any question to expand detailed guidance from our team.

Life Insurance

How much life insurance do I need?

The amount varies depending on income, debts, family size, and goals. A common rule is 10x your annual income. Use our calculator for a personalized estimate.

What is the difference between term and whole life insurance?

Term covers you for a set period (10-30 years). Whole life is permanent and builds cash value over time.

Can I get coverage if I have health issues?

Many carriers offer options for those with health conditions. Eligibility depends on underwriting.

How long does approval take?

Some policies are approved within days. Others may take 2-4 weeks depending on underwriting.

Final Expense

What is final expense insurance?

A small whole life policy designed to cover funeral, burial, and end-of-life costs - typically $5,000-$25,000.

Is there a medical exam required?

Most final expense plans require no medical exam, just a few health questions.

What ages qualify?

Most plans are available for ages 50-85.

Retirement

What is a fixed annuity?

A contract with an insurance company that guarantees a set rate of return and predictable income payments.

How is an annuity different from a savings account?

Annuities offer guaranteed income for life, tax-deferred growth, and protection from market loss.

What happens to my annuity when I die?

Most annuities include a death benefit that passes remaining value to your beneficiaries.

General

Is there a cost for a consultation?

No. Initial consultations are always free.

How do I get started?

Complete the quote form on any page or contact us directly.

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