Frequently Asked Questions (FAQ)

It’s recommendedthat you need 10-12 times your annual income. When that moneyis invested wisely, your family can live comfortably on the return that investment delivers. If you can’t afford the monthly premium for that much coverage, then consider what you can afford.For instance, buyingenough Term Life Insurance to cover your mortgage (i.e., Mortgage Protection Insurance) is a great alternative. Remember, any amount of Term Life Insurance is better than nothing.

As a general guideline, you don’t want to spend any more than 4-5% of your annual income on life insurance.

Simplified Issue allows you to apply for Term Life Insurance and Final Expense Insurance without having to take a medical exam. It costs a few dollars more, but it’s much easier to get approved.

It depends on your needs and budget. The national average for a casket burial costs between $8,000.00 to $10,000.00. The national average for a cremation costs between $5,000.00 to $7,000.00. Of course, your costs will depend on your location and what type of funeral you want to have.

Mortgage Protection Insurance is Term Life Insurance. Applicants apply for Term Life Insurance to cover the balance their home loan.

Life insurance companies look at many thingsbefore making an offer to an applicant for life insurance: age, health, lifestyle, and financials. Employer information is used to verify financial information. Verifying an applicant’s employment status saves the underwriter(s) a lot of time when deciding to make or decline an offer.

Yes. However, annuities are expensive and complicated products.We recommend you consult a fee-only, financial advisor beforepurchasingthese products.You can find a list of fee-only, financial advisors at The National Association of Personal Financial Advisors website: https://www.napfa.org.

Yes. While we believe Term Life Insurance and Final Expense Insurance are the best fit for most consumers, we realize that everyone has different needs. Again, we recommend you consult a non-commissioned, financial advisor before purchasing any type of Whole Life Insurance, other than Final Expense Insurance.

Currently, we are licensed to do business in Colorado, Texas, Michigan, Virginia, Ohio, Iowa, Nebraska, South Carolina, South Dakota, and New Mexico.