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?"
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."
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."
"I already have a life insurance policy. Can I have more than one?"
"I’m single with no kids. I don’t need life insurance."
Most of our clients take various medications and have medical diagnosis 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.
There is no shame or judgment here. We have seen and covered it all.
If you need additional life insurance we can certainly help with that.
Actually if you were to suddenly pass away, who would pay for your funeral?
EVERYONE alive needs life insurance.
EVERYONE alive needs life insurance.
"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.