Frequently Asked Questions

Yes, we work with several carriers that offer Guaranteed Issue Whole Life plans. Whether you just had a heart attack last week or you  are actively fighting cancer we can get you covered. 

No, we only work with A-Rated carriers who offer simplified underwriting. They will do a prescription check to help determine which tier you best fit into. Most of our carriers offer instant decisions that allow you to get quoted, enrolled and activated in less than 10 minutes with no waiting period.

In many cases, the answer is Yes.  Group coverages through employers often designate you as the certificate holder, not the policy holder.  This means that if you lose or leave your job, you also lose your coverage.  We recommend to view workplace coverage as a job perk and still obtain your own policy to ensure protection for your family.

A Return of Premium (ROP) policy is a term policy rider that will return some or all of the premiums you paid throughout the term back to you at the end of the term. 

"Paid Up" when referring to life insurance means that the premiums you have paid in have accumulated enough cash value to cover the cost of your policy for the rest of your life. Your policy will remain current but you will no longer have to pay premiums. This is a typical term you will hear with whole life policies. 

Yes, accidental death is still one of the leading causes of death in the United States.

In some cases, yes.  Depending on the type of life insurance policy and how it is used, permanent life insurance can be considered a financial asset because of its ability to build cash value or be converted into cash. Simply put, most permanent life insurance policies have the ability to build cash value over time.