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Frequently Asked Questions

Common Questions Answered for your convenience.

What types of insurance do you specialize in?

Final Expense Insurance

Mortgage Protection Insurance

Indexed Universal Life Insurance

Do I need a medical exam to get life insurance?

Not always. While traditional policies often require a paramedical exam to get the best rates, many companies now offer accelerated underwriting or "no-exam" policies where you only answer health questions.

Isn't workplace life insurance enough?

Often, it is not. Employer-provided insurance is typically only one or two times your salary, which may not cover all your family's needs, and you usually lose the coverage if you change jobs.

Do I really need life insurance?

Yes, if anyone depends on your income to maintain their standard of living, such as a spouse, children, or a partner with a joint mortgage.

How much life insurance do I need?

A common rule of thumb is to have 10-12 times your annual salary in coverage, or you can use the DIME method: Total up your Debt, Income replacement, Mortgage payoff, and Education costs.

What is the difference between term, whole, indexed Universal Life insurance?

Term Life- ideal for temporary needs like covering a 30-year mortgage, replacing income during working years, or protecting a family until children are grown. No cash value, expires at the end of the term, lower premiums.

Whole Life- Best for long-term needs like estate planning, funeral costs, or wealth transfer. Lifelong coverage, accumulates cash value, higher premiums.

Indexed Universal- Suited for individuals seeking permanent coverage who also want cash value growth tied to the stock market without direct market risk. Flexible premiums.