Find the Best Coverage at a Price You Can Afford

This is temporary coverage for a term of time (10, 20, 30 years). If you pass within the term, the death benefit is paid to your beneficiary. If you outlive the term, (1) that's great because you're still here but (2) you must then reapply for a new term, which will then be based on your current age and health. There are other factors to consider (health, financial needs, long-term goals) in deciding whether or not term is best for you, which we can discuss in a call. 

Typically, this is coverage for your "whole" life. It differs from term in that it can be a permanent policy if the right plan is selected. A true permanent plan will have benefits that remain "level" (wherein the price and benefits never vary) and is locked in for life. There are many different types of policies that companies lump under the category of Whole Life, even though the death benefit or monthly rate will fluctuate over time, which is why you must be careful in selecting a plan. I do NOT offer plans like that because I do not believe in them. Instead, when people want Whole Life, I look for plans that remain the same for life and will pay for any cause of death on day one (if eligible). 

One of the benefits in being independent is the ability to offer many options from various companies. The youngest age I can protect is 14 DAYS and the oldest is 89-YEARS-OLD, when individuals are healthy enough for coverage. Obviously, a person's options decrease over time because of age and health, so the sooner you get covered, the better off you are in finding excellent rates and options. 

No. The majority of our plans do not require bloodwork or a physical exam. We can help you apply for plans that require basic lab work (blood, weight), which is needed for the best rates in life insurance, but it takes a while to set up. If you want something sooner, you should opt for a plan that does not require lab work. The process is much easier and has many great options and prices. We also have Guaranteed Coverage available (to age 80) for those who do not want to answer any medical questions or who have not been able to find coverage elsewhere.  

No. One of the benefits that has come from the 2020 Pandemic is the manner in which many companies do business. Fortunately, life insurance can now be applied for over the PHONE or ZOOM while still getting the same rates that were once only available for in-person appointments. The applications are then e-signed through either email or text (for many carriers). I can also send you a link for one company that lets you shop and apply on your own. Either way, I will gladly show you the best plans available to you based on your age, health, and insurability.