Your Questions, Answered

    • A: Life insurance provides a financial safety net for your loved ones. It can be used to cover funeral costs, pay off mortgages, or provide an inheritance and income replacement for your family.

    • ​A: Term life covers you for a specific period (e.g., 10, 20, or 30 years) and is usually more affordable. Whole life provides permanent coverage and builds cash value over time.

  • Q: Can I get coverage if I have health issues?

    A: Yes. As a brokerage, we work with several carriers (like Gerber and Americo) that offer "Guaranteed Issue" or "Simplified Issue" policies which require no medical exams.

  • A: Rates vary based on age, health, and coverage amount. Because we represent multiple carriers, we shop around to find the most competitive rate for your specific situation.