FAQs

No. You will never pay Shell Mutual any money. Your money will always go to the insurance company who is promising to pay your family upon death.

Maybe. We pride ourselves in being honest with you. If we can get you a better-priced program, we will! We want to save you money. But, if we can’t, we will tell you that as well. We will not put you in a worse position. There are many agents who will tell you they are [...]

This is a common question. You may find insurance that is cheaper... sort of. If you buy a TERM life insurance, you will pay less. BUT you have to die in the correct way, and in the correct window of time. For example, some TERM policies only cover you for 10 years. If you don’t [...]

The short answer is yes. The long answer is, when you go to purchase insurance, you are matched up with the best policy for your given age and health situation, at the time of purchase. We can get you a policy regardless of either of those, but if your health and age have changed from [...]

No. Insurance companies set their prices for all people who meet their criteria. A 55-year-old male will pay the same with Mutual of Omaha, regardless of which agent sells it. What makes us different and valuable, is that we shop your situation to many insurance companies, to make sure we find the program that is [...]

No. Never.

No. Never. Some insurance companies allow YOU to lower it, if you are wanting to lower the monthly premium, but that is up to you. If you want to leave your loved ones $35,000, and you purchase a $35,000 policy… it is locked in at $35,000.

No…unless you decide to cancel it. As long as you are paying the premiums, you are covered. Just like with anything in life, if you don’t pay for it, it goes away. If you miss a payment, almost all insurance companies give you at least a 30-day grace period to get the payment in. No [...]

You can. Colonial Penn offers this. But you will be surprised at how little insurance you actually get. To disguise this, they play the game of saying you now own 1 unit of life insurance. Great! Wait, what is a unit? That is where they hope you won’t dig deeper. We have dozens of programs [...]

There are many companies that send out sample price sheets (AARP, Globe, etc). You find your age, and face amount and the price looks good. The problem is, the price continues to increase. If you continue to investigate that chart, you will see that as you age, your price sharply increases. Even if you can [...]