top of page
  • What is Term Insurance?
    Term insurance is a type of life insurance policy that provides coverage for a certain period of time or a specified "term" of years. If the insured dies during the time period specified in the policy and the policy is active, or in force, a death benefit will be paid. ​Term insurance is initially much less expensive when compared to permanent life insurance. Unlike most types of permanent insurance, term insurance has no cash value. The only value is the guaranteed death benefit from the policy.
  • What is Permanent Insurance?
    Unlike term life insurance, permanent life insurance refers to coverage that never expires and combines a death benefit with a savings component. ​ The two primary types of permanent life insurance are whole life and universal life. ​Permanent life insurance policies also enjoy favorable tax treatment
  • Do I need a medical exam?
    We have no exam options available for simplified underwriting
  • Do you offer products other than Life Insurance?
    We have subject matter experts in annuities, disability insurance, and complex life insurance requiring trusts and other advanced support. Please contact us for additional information.
  • What type of Life Insurance is right for me?
    Life insurance is one of the most important aspects of your family’s long-term financial plan and it’s the one we want to discuss the least. Its main purpose is simple; to replace your income for your family if you die. But with all the choices available, finding a policy that’s just right for you could be confusing and frustrating. We have professional advisors that can guide you in the appropriate direction in finding what suits your situation best and alleviate any stress.
  • I have been declined for Life Insurance in the past, Should I apply?"
    Yes! A life insurance policy's approval depends on several different factors (health and financial status and other personal matters). These may change over time. We also offer guaranteed final expense policies that are instant approval no matter what your circumstances.
  • I am a financial services professional, may I partner with you?"
    Yes! A life insurance policy's approval depends on several different factors (health and financial status and other personal matters). These may change over time. We also offer guaranteed final expense policies that are instant approval no matter what your circumstances.
  • I am interested in offering your service to members of my organization. Is this available to employers, associations, affinity groups, fraternal organizations, or unions?"
    Our affinity account executives are among the most experienced in the business. We are very happy to have a conversation with virtually any organization interested in partnering this way. Please fill out a Contact Us form with information about your business and one of our experts will reach out to you.
bottom of page