Frequently Asked Questions

Fast, clear answers. If you don’t see your question, reach out—happy to help.

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What types of coverage can I explore?

Mortgage Protection, Final Expense, Term Life, Whole Life, and IUL options.

Do I need a medical exam?

Many plans are no-exam. If an exam is required, I’ll help schedule it and explain why.

How fast can coverage start?

Same-day possible if you qualify; others take a few business days.

Will my price ever go up?

Level term and many whole-life policies have fixed premiums for the chosen term or life of the policy.

Can I change beneficiaries later?

Yes—update any time with a simple form. I’ll help you submit it correctly.

What if I already have a policy?

We’ll review what you have and compare options. If keeping your current policy is best, I’ll tell you.

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