FAQs

I HAVE LIFE INSURANCE. CAN YOU GET ME A BETTER PROGRAM/PRICE?

2019-04-04T06:18:47+00:00

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 [...]

I HAVE LIFE INSURANCE. CAN YOU GET ME A BETTER PROGRAM/PRICE?2019-04-04T06:18:47+00:00

WHAT IF I FIND A CHEAPER PROGRAM?

2019-04-04T06:21:10+00:00

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 [...]

WHAT IF I FIND A CHEAPER PROGRAM?2019-04-04T06:21:10+00:00

CAN I ADD MORE TO MY POLICY?

2019-04-04T06:21:00+00:00

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 [...]

CAN I ADD MORE TO MY POLICY?2019-04-04T06:21:00+00:00

DO INSURANCE COMPANIES CHARGE A DIFFERENT AMOUNT DEPENDING ON WHICH AGENT SELLS IT?

2019-04-04T06:20:38+00:00

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 [...]

DO INSURANCE COMPANIES CHARGE A DIFFERENT AMOUNT DEPENDING ON WHICH AGENT SELLS IT?2019-04-04T06:20:38+00:00

CAN THE INSURANCE COMPANY LOWER MY INSURANCE COVERAGE.

2019-04-04T06:20:18+00:00

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.

CAN THE INSURANCE COMPANY LOWER MY INSURANCE COVERAGE.2019-04-04T06:20:18+00:00

WILL I EVER BE KICKED OUT?

2019-04-04T06:20:11+00:00

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 [...]

WILL I EVER BE KICKED OUT?2019-04-04T06:20:11+00:00

I SEE COMPANIES OFFERING $9.95 PER MONTH. THAT SEEMS REALLY AFFORDABLE, WHY CAN’T I PAY THAT?

2019-04-04T06:20:02+00:00

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 [...]

I SEE COMPANIES OFFERING $9.95 PER MONTH. THAT SEEMS REALLY AFFORDABLE, WHY CAN’T I PAY THAT?2019-04-04T06:20:02+00:00

I RECEIVED AN OFFER IN THE MAIL THAT HAS A MUCH BETTER PRICE. CAN YOU OFFER THIS?

2019-04-04T06:19:52+00:00

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 [...]

I RECEIVED AN OFFER IN THE MAIL THAT HAS A MUCH BETTER PRICE. CAN YOU OFFER THIS?2019-04-04T06:19:52+00:00