Life Insurance is an act of love.

  • Cover burial expenses.
  • Income Replacement.
  • Legacy Planning.

 

OUR LIFE INSURANCE PROCESS

Our senior team will work with you and your family to discuss the ins and outs of life insurance and conduct an analysis of your current financial situation and long-term obligations.  We will also discuss your desires for your legacy and determine a sound estimate of what your loved ones may need in the coming years.

 

NEXT STEPS:

  • Compare quotes – We are an independent life insurance agency that works with all carriers in the market. We will compare prices to ensure you get the best rates from the best rated carriers.  This saves you time and doesn’t cost you anything out of pocket.
  • Apply – Once we choose a carrier we fill out and submit an application to begin the underwriting process. All applications contain basic questions including personal, health and beneficiary information of the potential insured.  All data collected is privacy protected.

  • The Medical Exam – We will schedule an exam based on your availability at a place and time of your choosing. The examiner will check your blood pressure, weigh you, take a blood and urine sample and ask you some basic questions. This shouldn’t take more than a half an hour.

  • Underwriting & Decision - This is the part of the process where the life insurance company will review your application, access your medical and personal history to assess your risk and assign you a health/rate class. Once the underwriting is complete the carrier will notify us of their findings, which your rates will be based on. The final quote offered by the underwriter may differ from your original quote if additional data gathered would indicate a different health class than the one quoted. This process can take anywhere from 3-6 weeks.
 

Life Insurance faq's

What does life insurance cost?

The cost of life insurance is unique to each individual and depends on the type of policy you choose, the amount of coverage you want, and factors such as your age and overall health.

Who needs life insurance?

If someone will suffer financially when you die, chances are you need life insurance because it replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses and college funding. Also keep in mind there is no federal income tax on life insurance benefits.

How much life insurance do I need?

While we won’t be able to pinpoint the amount you’ll need to the penny, we can make a sound estimate.  The goal should be to develop a plan that, following your death, will allow your family to live comfortably without your economic contribution.

What is temporary insurance?

Term or temporary life insurance provides protection for a specified period of time, like a term of 10, 20, or 30 years. If the insured dies during the time period specified in the policy then a death benefit will be paid to the beneficiary. Term insurance is usually less expensive when compared to permanent life insurance. Unlike most types of permanent insurance, term insurance has no cash value.

What is permanent insurance?

Permanent life insurance is life insurance that provides coverage for your entire lifespan, so long as premiums are paid.  Types of permanent insurance are whole life, universal life and variable life. Most permanent life insurance policies also have a cash value component that can be used in the future for any purpose you wish.