Answers before you have to ask.

You book a time that works for you. Calls run 30 to 60 minutes depending on what you need, on Google Meet or a phone call, whichever you prefer. Justin reviews your coverage needs and budget, compares the available options, and answers your questions. There is no consultation fee; the carriers pay us.

For life insurance: a general idea of what you want to protect (family, mortgage, income) and your basic health information. For Medicare: your Medicare card if you have one, a list of current medications, and the names of doctors you want to keep. If you don't have any of that ready, that's fine. We'll walk you through what's needed.

No fee to you. We're compensated by the insurance carriers we work with. You do not pay more for working with us than for going directly to a carrier: each carrier files its rates with the state, so nobody can discount a premium. What we can do is compare the carriers we can offer and show you which one prices your age and health most favorably.

Independent. The agency is not tied to one carrier. When more than one carrier we can offer fits your case, we compare them and show you the difference.

We serve clients in 25 states through the agency's licensed producer: AL, AZ, AR, CA, FL, GA, IL, IN, KY, LA, MI, MS, MT, NJ, NY, NC, OH, OK, PA, SC, TN, TX, VA, WA, and WV.

Within two business days. Coverage questions go directly to a licensed agent, not to a chatbot or a call center.

That's fine, and you're not locked in. We can review your current coverage, compare it against what we can offer now, and tell you whether a change would actually help. If your current plan is still the better fit among those options, we'll tell you that too.

It depends on the product. Some term life policies can be approved in days. Medicare enrollment can happen in a single session during the right enrollment window. The pace is yours.

No. Keep your existing coverage in force until the new policy is issued and effective. We can help you coordinate the timing.

A common starting point is ten times your income, but a better answer accounts for your debts, your family's living costs, education plans, and what's already saved. The coverage calculator guide in the Learning Center walks through a formula (DIME) that produces a defensible number in a few minutes.

Match the term to the years someone depends on your income: until the mortgage is paid, until the kids are independent, until retirement. Twenty years costs more than ten because the carrier carries the risk twice as long. Too few years can force a re-quote later, at an older age.

Employer coverage is a good benefit and a shaky foundation: it usually ends when the job does, and the amount is often capped at one or two times salary. A personal policy stays yours between jobs. Many people keep both.

It's the carrier's filed rate for the health class you chose. The final number is set by the carrier's underwriting: if your health matches the class you picked, the price holds; if underwriting places you in a different class, the price moves with it.

It depends on the condition and the carrier. Carriers underwrite differently, so the same history can price differently from one to the next. That's much of the point of comparing. For tougher situations, simplified-issue and guaranteed-issue products exist with fewer or no health questions.

Some term policies with accelerated underwriting are approved in days. A fully underwritten policy with a medical exam can take a few weeks. The carrier sets the pace once the application is in.

Not on a level term policy: the premium is fixed by contract for the term you chose. It changes only if you change the policy, or when the term ends.

Most term policies either end or become annually renewable at a much higher rate. Many also carry a conversion option: swapping into a permanent policy without new underwriting, inside a window the contract defines. Worth checking before the term is up.

Yes. States require a free-look period after the policy is delivered, typically 10 to 30 days, with a full refund if you cancel inside it. After that you can stop paying or cancel at any time; a term policy has no cash value to lose.

In most cases, yes. There are two paths: simplified-issue policies that ask a few yes/no health questions and skip the medical exam, and guaranteed-issue policies that don't ask health questions at all. Guaranteed-issue costs more and pays out a reduced benefit if you pass away in the first two years, and acceptance is guaranteed within the product's age range.

A common choice is somewhere between $10,000 and $20,000. The number comes from working backward from the costs you actually want covered: the National Funeral Directors Association put the median cost of a funeral with viewing and burial at $8,300 in its 2023 study, closer to $10,000 with a vault. Then you might add a buffer for medical bills, small debts, or to leave a little behind.

Your family files a claim with the carrier and sends a certified death certificate. The timing after that is set by the carrier and by state law, not by the agency. Simplified-issue claims are usually straightforward, though carriers do review the original application if the death happens in the policy's first two years. We walk your family through the paperwork whenever that day comes.

We compare the carriers we can offer to find the lowest price among those options. Many people are surprised at what coverage costs once someone takes the time to compare. The consultation is free; the carriers pay us, not you.

That's what the needs analysis is for: we don't recommend anything until we understand your situation. And if your needs change down the road, you call us. Policy changes and questions come straight to the agency, not to a call center.

Being denied by one carrier doesn't mean denied by all. Different carriers have different underwriting standards. Plus, guaranteed issue and simplified issue products exist specifically for people in this situation, with no medical exam and no health questions.

That's your call. Rates generally go up with age, so people who lock in coverage younger usually pay less over time. Talk it through, and decide on your own time. You don't have to decide during the call.

Three months before your 65th birthday. That's when your Initial Enrollment Period begins. Missing this window can result in late enrollment penalties that last permanently. The consultation helps you get ahead of the deadline.

Your information is not sold or shared with third parties for marketing. What we do share is what a carrier needs to process your application, with your consent. The privacy policy spells out exactly what's collected and where it goes.

You get a direct line for future questions. After a policy is issued, the agency stays your contact: claims paperwork, policy changes, and questions come straight to us. If you get married, have a baby, buy a house, or retire, we're the call you make.

Depends on the product. Some policies allow adjustments; IUL has flexible premiums, for example. For Medicare, changes happen during the Annual Enrollment Period each fall. We review coverage with clients to check whether the plan still fits, since premiums, networks, and formularies change yearly.

At least once a year, or whenever your life changes significantly: marriage, a new baby, retirement, a health change. For Medicare clients, we run reviews before the enrollment period each fall and reach out ahead of key windows, so you don't have to remember the deadlines.