Frequently Asked Questions

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We offer a range of insurance products including, Whole Life, Term, Accidental Death Benefit, Accidental Death & Dismemberment, Final Expense, Critical Illness, Accidental Injury, and Cancer insurance.

You can file a claim by contacting us directly, or contact the carrier.

Your insurance premium may be affected by factors such as your age, health, medical issues and the type of coverage you choose.

Yes- you can borrow from your cash value for emergencies, bills, or unexpected needs. The longer you pay into it, the more value builds up.

You can renew, convert to permanent coverage (if offered), or apply for new coverage. Rates will increase due to age.

Yes - life insurance benefits are paid out to your beneficiary tax-free.

Usually no. Most plans and carriers require a few health questions.

Depending on the type of policy you want and age can play a factor to limit face-value. Whole Life covers $1,000-$120,000+, Term covers $100,000-$500,000+, ADB & AD&D $1000-$500,000+, Final Expense $1,000-$30,000+.

Often yes. Coverage options and price vary based on the condition.

Yes - people often combine whole, term, and riders or add-ons for better coverage.

Most policies include a grace period. Permanent policies may use cash value to keep the policy active.

A rider is an add-on that gives extra benefits like accidental coverage, child coverage, or critical illness.

The earlier, the better - younger and healthier people get the lowest rates.

Often yes. You can add riders, increase coverage, or convert term to whole life depending on the company.

Costs depend on age, health, gender, tobacco use or not, and the type of policy. Many policies cost less than people expect.

Most families choose 10-20 times their annual income, but it depends on your specific budget, debts, income and family needs.