Question 1

What is life insurance?

Accepted Answer

Life insurance is a contract with an insurance carrier. You pay a premium, and if you pass away while the policy is in force, the carrier pays a death benefit to the people you name — generally income-tax-free. Some policies also build cash value you can use while you're living.

Question 2

How much coverage do I need?

Accepted Answer

A common starting point is 10–15 times your annual income, adjusted for your mortgage, debts, childcare, education goals, and any coverage you already have through work. We build the number together during your consultation rather than guessing.

Question 3

What's the difference between Term and Whole Life?

Accepted Answer

Term covers you for a set number of years at the lowest cost per dollar of protection. Whole life covers you for your entire lifetime, has fixed premiums, and builds guaranteed cash value. Many families use a blend of both.

Question 4

What is an IUL?

Accepted Answer

An Indexed Universal Life policy is permanent coverage with flexible premiums. Its cash value earns interest based on the performance of a market index up to a cap, with a contractual floor that protects against index losses. It is not a direct investment in the market.

Question 5

How long does approval take?

Accepted Answer

Many applicants qualify for instant-decision underwriting and receive an approval decision within minutes of applying, with no medical exam. Cases that require labs or medical records are the exception and typically take two to four weeks.

Question 6

Can I change my coverage later?

Accepted Answer

Yes. Term policies can often be converted to permanent coverage, coverage amounts can be adjusted, riders can be added, and beneficiaries can be updated at any time. We review your plan annually as your life changes.

Questions, answered plainly

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