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    FAQ's

    To set an appointment use the Schedule an Appointment button or Contact us.

    Most of our appointments are scheduled via zoom or by phone for the security and safety of our clients and agents for privacy and to guard against Covid. We can schedule a personal meeting if necessary.

    Yes, for fraud and security purposes you will need to provide ID at your scheduled appointment if you are providing sensitive information and your agent as well.

    The agent will have provided the information necessary for you to verify licensure prior to your appointment.

    Most of our companies will send you a copy by email and then a hard copy by mail within 48 hours of the date your policy was issued.

    Those that buy want to do so in case of death, disability, or critical illness. Secondly, to cover final expenses, pay off debt or leave a legacy. Thirdly, to protect their retirement income or provide an income stream. Those who benefit from buying include head of household, parents of a minor or special needs child, stay-at-home parents, divorced parents, homeowners with a mortgage, co-signer on a debt, wealthy individuals, business owners and those who want to leave a legacy or inheritance.

    First consider why you are buying life insurance is the financial strength of a company, what policies, riders and how much coverage you want. Next decide what company will best help you meet those goals and which companies offer those products. Do your research. Educate to empower yourself as much as possible. We can help you narrow those options since we represent 14 carriers. We are sure to find the right policy and coverage. Contact us or Schedule an Appointment for a free consultation.

    Financial Strength: Consider the company's financial rating. A number of rating agencies, such as AM Best, provide a credit rating score which indicates whether the company is likely to default on its debts. Policies: Not all companies offer all types of insurance.

    Coverage: Think about how much coverage you will need. As a rule, it is suggested that you buy 10 x your annual income. For example, if you make 50,000 a year, then you should buy a $500,000 life insurance plan. The amount of coverage is going to be based on a number of things such as age, medical history, marital status and dependents. Perhaps even, you have a spouse that works at home, or you may want to have a plan for college. to consider are debts, such as a mortgage, retirement or leaving a legacy for your family.

    Riders: Life insurance riders are typically add-ons that help you customize a standard policy to better meet your goals. There are so many more to choose from. Listed below are some common ones. We have policies where riders come with the policy at no additional.

    • Accelerated death benefit is a common rider that allows you to access the money in your death benefit before you die, typically in the case of a terminal illness, critical illness, or injury.
    • Term conversion rider — This lets you convert your term type policy to a permanent type of life insurance.
    • Accidental death and dismemberment — Pays a set amount of money for accidental death in addition to the regular death benefit.
    • Waiver of premium rider — If you become disabled this rider lets you waive the premiums for your policy.
    According to LIMBRA 83% of consumers state burial costs as a reason for purchasing life insurance. A 2021 National Funeral Direct Association (NFD) study indicates the average cost of a funeral, including a viewing and burial is $7,848. Adding a burial vault raises the cost to $9500. The U.S. Bureau of Labor and Statistics data show a 227.1% increase between 1987 and 2017.
    The beneficiary is who or what you select to receive the money from your life insurance money. This could be a person or an organization.

    The policyholder is the person who purchases the life insurance policy. This may be the same person who is being insured, the beneficiary, or someone else like a spouse.

    The death benefit is the money paid to the beneficiary after the person insured has passed away. The death benefit is usually paid only when the policy is paid up. It passes directly to the beneficiary, usually not subject to creditors or probate. It is generally tax free if passed in one lump sum.

    The cash value is the portion of your premium that is set aside in a separate account in your permanent life insurance policy. The cash value can earn interest or be invested. You can borrow from it, pay your premiums at some stage, or use it as an income stream.
    Some whole life policies pay dividends which are usually stock owned companies or mutual companies. This will depend on your policy, and you should check with your insurance company or agent to see if your current policy or the policy you are considering pays dividends.
    Life insurance companies must adhere to state laws on how long a beneficiary has to claim insurance benefits.
    Some companies will pay the death benefit for death by suicide. There are sometimes clauses or waiting periods within a life insurance policy, which generally expire two to three years after the policy was purchased. If you or anyone you know is contemplating suicide, call the National Suicide Prevention Lifeline at 800-273-8255. They are available 24 hours of the day and operate 150 crisis centers that offer encouragement and local resources.

    There are companies that offer cancer insurance but the terms will depend on both the insurance company, the type of cancer, treatment and whether or not you are in recovery.

    Didn't find the answer? Contact us or Schedule an Appointment for a free consultation.

    Retirement Planning
    Retirement Planning
    Retirement Planning
    Retirement Planning
    Retirement Planning

    Retirement planning

    It refers to the financial strategies of saving, investment, and the distributing of money meant to sustain an individual during retirement. Many Investment vehicles include individual retirement accounts IRAs) and 401(k)s, annuities and other instruments which allow retirement savings to grow money with a certain tax advantage. Fortunately, we can help to educate and empower through our professionally trained agents, underwriting, sales, advance market and support teams. We can provide a customized plan and illustration for you, your family and even the business you may own or operate through our life insurance vehicles. Take a look at the services we provide. Schedule an Appointment button or Contact us for a free consultation for more information to see how our Retirement Planning Team can be of assistance.
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    • Retirement Distribution illustrations - complete customized illustration of what to expect in retirement
    • Business succession analysis and valuations - Strategies that can help business owners manage risks, protect and grow assets and compensate and retain their key employees
    • Estate planning - Proper planning that can help your clients pass assets more efficiently to their heirs
    • Income planning - Complete strategies that encompass many planning elements for your clients including risk management, social security planning, asset protection and distribution methods
    • Social Security Planning - better understand your social security payout options
    • Minimizing Taxes In Retirement - reduce the taxes you pay in retirement
    • Secure Transfer Planning - Tax efficient wealth transfer planning with life insurance
    • Generational Wealth Planning - Securing the hopes and dreams of the next generation