💬 General Life Insurance FAQs

Q: What is life insurance and why do I need it?

A: Life insurance provides financial support to your loved ones in the event of your passing. It can cover funeral expenses, mortgage payments, debts, and help maintain your family’s lifestyle.

Q: What’s the difference between term and permanent life insurance?

A: Term life provides coverage for a set number of years, while permanent life insurance (like whole life or IUL) lasts your entire life and may build cash value.

Q: How do I know which type of policy is right for me?

A: That depends on your goals — whether it’s to cover final expenses, pay off a mortgage, build savings, or support your family long-term. One of our licensed agents can help match you with the right option.

Q: Can I change my beneficiaries later?

A: Yes, you can update your beneficiaries at any time through your policy provider or agent. If you need assistance, please call our office and one of our staff would be happy to assist you through this process.

Q: Do I need a medical exam to qualify?

A: Many of our plans use simplified underwriting, which means no medical exam is required — just answer a few basic health questions.

Q: When should I buy life insurance?

A: The sooner the better — younger applicants typically lock in lower premiums and greater flexibility.

🏡 Mortgage Protection Insurance

Q: What is mortgage protection insurance?

A: It's a type of life insurance that pays off your mortgage if you pass away — helping your family stay in their home without financial stress.

Q: How long does coverage last?

A: It typically lasts for the length of your mortgage term — like 15 or 30 years — and decreases with your loan balance.

Q: Will my mortgage lender receive the payout?

A: No. The benefit is paid directly to your beneficiary, who can then choose how to use the funds — typically to pay off the mortgage.

Q: What if I refinance my mortgage?

A: You can usually keep the policy, but we recommend updating it to match your new balance and term.

Q: Does coverage decrease as I pay off my loan?

A: Yes, in many cases. Mortgage protection policies are designed to match your decreasing loan balance, which also helps keep your premiums affordable.

Q: Can renters use this type of insurance?

A: Mortgage protection is designed specifically for homeowners. Renters may want to explore traditional term life insurance instead.

🪦 Final Expense Insurance

Q: What does final expense insurance cover?

A: It covers costs like funeral services, burial or cremation, medical bills, and other end-of-life expenses.

Q: Can the payout be used for anything?

A: Yes — your beneficiary can use the funds however needed, including debt, burial costs, or personal expenses.

Q: Is this only for seniors?

A: No — while it's popular with those over 50, final expense plans can be a smart choice for anyone who wants to ease financial stress for their family.

Q: Are there age restrictions?

A: Most carriers accept applicants between ages 40–85, though some plans may offer broader age ranges.

Q: How fast are payouts made?

A: Once approved, most claims are paid within a few days — helping your loved ones avoid out-of-pocket costs during a difficult time.

Q: Will my rates increase over time?

A: No — final expense policies typically offer level premiums that never go up as you age.

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🏦 IULs & Annuities

Q: What is an IUL?

A: An Indexed Universal Life (IUL) policy offers life insurance protection and builds tax-deferred cash value based on market index performance — with no risk of market loss.

Q: Can I lose money in an IUL?

A: No — IULs are tied to market indexes, but they include a guaranteed minimum interest rate to protect your cash value from market losses.

Q: How does an annuity work?

A: An annuity is a financial product that can provide guaranteed income in retirement. You contribute funds, and over time it pays you back in steady payments.

Q: What’s the difference between IUL and whole life?

A: Whole life offers fixed returns and stable premiums, while IULs offer more growth potential based on market performance.

Q: Can I access the cash value in an IUL?

A: Yes — many people use IULs to supplement retirement income, fund college tuition, or access emergency funds.

Q: Are annuities only for retirement?

A: Mostly, yes — they’re best for creating income streams in retirement, but they can also support legacy planning or wealth transfer.

🗽Tailored VA Insurance

Q: Do I need private insurance if I already have VA coverage?

A: VA coverage has limits. Many veterans choose supplemental insurance to ensure full financial protection for their families.

Q: Do I need private insurance if I already have VA coverage?

A: VA coverage has limits. Many veterans choose supplemental insurance to ensure full financial protection for their families.

Q: Can I keep my coverage if I leave the military or VA system?

A: Yes — our plans are portable and stay with you regardless of changes in employment or service status.

Q: What if I have health conditions?

A: We offer policies that accept many common conditions — including no-exam options — tailored specifically for veterans.

Q: What if I already have a VA policy?

A: We can help you understand how your current VA benefits work and whether supplemental coverage may help protect your family more fully.

Q: Can my spouse get coverage too?

A: Absolutely. We offer life insurance plans for spouses and dependents to ensure your whole family is protected.

Let's Find You The Right Protection.