Frequently Asked Questions
These are frequently asked questions and reasons why people put off getting life insurance. Read through this list and see if you see the reason why YOU haven’t gotten insured yet.
Do I have to have a medical exam?
No. Most of our clients never have to get medical exams or submit blood and urine samples.
I’m not happy with my weight. Am I insurable now or do I need to lose weight before applying?
There is no need to put off life insurance because of your weight. No one is perfect and you still deserve protection for you and your family. We have lots of carriers to choose from. We will get you covered.
I have been turned down for life insurance before. Can I try to get insured again?
Of course. We do a complete assessment of every client so that we can place you with the proper coverage with the proper carrier.
I have insurance through my job. Do I need outside insurance?
It’s always a good idea to have life insurance coverage that’s independent of your job. Some jobs may allow you to keep their coverage if you leave. If you do this, you are running the risk of it costing much more to keep it if you leave. Some jobs don’t even allow you to keep the coverage if you no longer work there.
It’s going to cost too much to get life insurance.
First off, some coverage is always better than NO coverage. Second, we will never put you in a policy where the payment will be a burden to you. We are here to help.
Am I too old to get coverage?
We can insure people up to age 85.
I have lots of medical problems and I take a lot of medications. I don’t think I can get coverage.
Most of our clients take various medications and have a medical diagnoses such as diabetes, high blood pressure, and cholesterol, lupus, etc. We get them done every day. This is what we do. There is no shame or judgment here. We have seen and covered it all.
I’ve had cancer before. I was told I can never get life insurance now.
Every case is different. We have insured people who have had cancer or are in remission.
I don’t have the money to pay today. Can I apply now and set the payment to coincide with my pay day?
We are here to help. You control when you pay. We can certainly time payments so it’s not a burden. We can get you approved and then set a future payment date.
I already have a life insurance policy. Can I have more than one?
Sure. You can get as many as you need to protect you and your loved ones.