FAQ

Absolutely not! In fact, I can help you shop for a policy across multiple insurance companies and find the coverage at the price that you want.

Insurance companies are competing for your business, and instead of you making multiple calls and trying to compare policy features and pricing on your own, I can do it all at one time for you. And it won’t cost you anything extra. I’ll search multiple insurance carriers and find you what you’re looking for at a price you can afford.

The benefits paid to your beneficiary are tax-free, so they receive the full amount of the policy.

The beneficiary will receive a check from the insurance company that can be used for any purpose.

I am a licensed life insurance agent in the following states:

• Nevada
• New Mexico
• South Dakota
• Michigan
• Ohio
• Virginia
• Tennessee
• South Carolina
• Florida

I am more than happy to share my license information with you. Just contact me.

I can also refer you to a partner agent in any state that I am not licensed in. Please just ask.

In many cases, depending on the policy type, and making sure I answer all your questions, about 30 minutes.

• I’ll collect your information over the phone.
• Select the plan that best meets your needs.
• Set up payment with the insurance carrier.
• Submit the application.

In most cases – TODAY! There are occasionally cases that will need some extra time, but it is not typical.

When we setup your insurance policy, your payment will in most cases be automated via bank draft or debit/credit card. So, it will be difficult to miss a payment. But, if you do miss a payment, you will need to make up that payment as quickly as possible.

When we are setting up your policy, I will cover your policy’s grace period, payment options, and non-forfeiture options.

After we complete your policy, you can contact me with questions any time. I am happy to serve you as your insurance agent.

In many cases they are offering term life insurance, not whole life insurance, so the policy on TV will expire – and most of them at age 80 when you really want to be covered. For seniors, Term Life Insurance is probably not your best option.

Others, like Colonial Penn, are offering insurance at really low prices as “units” of insurance. This allows them to advertise a single, low “per unit” price on TV, but depending on your age, the “low” price buys less and less the older you are. The “unit price” remains the same, but the coverage decreases with age.

There are some TV life insurance products for seniors that only pay if you die in an accident, not of any natural causes.

I can help you with:

• A free policy review of any life insurance policy you currently have
• Free consultation to discuss any life insurance policy you are currently considering
• Free quotes from other carriers to compare

My job and my passion are to help people get peace of mind about life insurance.

If after the review, the policy you found on TV beats any policy I can offer you, I won’t try to sell you any other policy. You’ll have received the full consultation for free, and leave the conversation with a greater understanding on the policy you currently own.

Final Expense Insurance is a whole life insurance policy with a death benefit amount designed to pay for your funeral expenses. The amounts vary. Policies can be found from as low as $5,000 to as high as $50,000.

Since this is a whole life policy, that means it is permanent. It builds cash value, the premiums never increase, and the death benefit never decreases. The money will be there for your family when they need it.

I’m here to serve you. Contact me, and I’ll help answer your questions. Also, this website contains articles on many aspects of final expense insurance.

Final Expense Insurance policies can be found from as low as $5,000 to as high as $50,000.

Use my free, instant final expense insurance quote tool and you can see what’s available. Then, let’s talk and find the perfect policy for you at the perfect price for you.

Yes. The current Social Security benefit – if you qualify for it – is $255.

The information from Social Security it located on their website.

You can get an instant and free final expense insurance quote. Just click this link, enter some basic information, and you’ll be taken to the quoting tool.

You can run the final expense insurance quoting tool with various benefit amounts. Then, let’s talk and get you the coverage that best suits you.

Absolutely! Yes! I can find a plan at a price you can afford. No medical questions. No exams.

Contact me for all the details. I’ll be happy to explain all the options, and help you shop for the perfect plan.

Generally, the youngest age is 45 and the oldest is 85. There are some exceptions, so don’t hesitate to call me. I will be very glad to present some options to you.

Yes! The loving family relationship is what’s known in insurance as “insurable interest”. See my post then call me for details. I’ll help you find the right policy to give you and your loved one peace of mind.

Yes! There are policies available that consider 1 – 2 cigars or less per month completely different than cigarette smoking or regular nicotine / tobacco use.

Go to my instant, free final expense insurance quoting tool and check what’s available.

Premiums are typically paid monthly. The payment can coincide with your Social Security payment schedule if you’d like.

Other payment options are quarterly and annually.

Monthly payments are setup to automatically pay from your bank account or debit/credit card, so you never miss a payment.

Premium pricing can be quickly found using my instant, free final expense insurance quoting tool.

Buying final expense insurance today is better than tomorrow.

As with all life insurance, premiums are lower the younger you are and the better your current health condition is. And no one knows what tomorrow brings.

No medical exam is required.

To get the lowest premiums, you can choose a policy with some basic health questions.

I can also help you shop for Guaranteed Issue policies that have no medical questions. These types of policies are just a little more expensive.

Run a quote on my instant, free final expense quoting tool for “Guaranteed Issue” policies.

Nothing out of the ordinary. The best thing to do is contact me for a free consultation. Let’s discuss the particulars of each policy you qualify for, and I‘ll make sure you are completely aware of all the policy provisions and feel completely comfortable.

Universal life insurance is a type of permanent life insurance that offers both a death benefit and a cash value component. It provides flexibility in premium payments and death benefit amounts, allowing the policyholder to adjust them over time. The policyholder can allocate their premium payments towards the cost of insurance and the cash value account, which earns interest at a specified rate. The cash value can grow over time and be used to supplement premium payments or taken out as a policy loan. Universal life insurance provides lifelong coverage and the potential for cash accumulation, making it a flexible option for individuals seeking long-term financial protection.

Universal life insurance is a type of permanent life insurance that offers both a death benefit and a cash value component. It provides flexibility in premium payments and death benefit amounts, allowing the policyholder to adjust them over time. The policyholder can allocate their premium payments towards the cost of insurance and the cash value account, which earns interest at a specified rate. The cash value can grow over time and be used to supplement premium payments or taken out as a policy loan. Universal life insurance provides lifelong coverage and the potential for cash accumulation, making it a flexible option for individuals seeking long-term financial protection.

Universal Life Express is a specific type of universal life insurance policy that offers simplified underwriting and a faster application process compared to traditional universal life insurance policies. It is designed for individuals who are looking for a simple and convenient way to obtain permanent life insurance coverage.

With Universal Life Express, the underwriting process is streamlined, and there may be fewer medical exams or extensive background checks required. This makes it an attractive option for individuals who want to secure life insurance quickly or who may have health conditions that could make the traditional underwriting process more challenging.

Like other types of universal life insurance, Universal Life Express provides both a death benefit and a cash value component. The policyholder has the flexibility to adjust premium payments and death benefit amounts over time to align with their changing needs. The cash value can grow over time and be accessed through policy loans or withdrawals.

It’s important to note that the specific features and benefits of Universal Life Express may vary depending on the insurance company offering the policy. It’s recommended to consult with a licensed insurance professional to understand the details and suitability of Universal Life Express for your individual circumstances.

Indexed Universal Life Insurance (IUL) policies allow policyholders to allocate their cash value towards various indexes. The specific indexes available may vary depending on the insurance company and the policy. Here are some commonly used indexes for Indexed Universal Life Insurance:

1. S&P 500 Index: This is a widely recognized stock market index that includes 500 large-cap companies from different sectors of the U.S. economy.
2. Nasdaq 100 Index: This index represents the performance of 100 of the largest non-financial companies listed on the Nasdaq stock exchange. It includes companies from various industries, with a focus on technology.
3. Russell 2000 Index: This index is made up of 2,000 small-cap companies in the United States. It is often used as a benchmark for the performance of small-cap stocks.
4. Dow Jones Industrial Average: This index tracks the stock prices of 30 large, publicly traded companies in the United States across different industries.

It’s important to note that the availability of specific indexes may vary depending on the insurance company and the policy.

Current Assumption Universal Life Insurance is a type of permanent life insurance that combines the features of traditional universal life insurance with the potential for higher interest rates. With this type of policy, the cash value component earns interest based on the insurer’s current assumption about future investment returns. This means that the interest rate credited to the policy’s cash value can fluctuate over time, depending on economic conditions and the insurer’s investment performance. Generally, the interest rate is guaranteed to not fall below a certain minimum level.

Current Assumption Universal Life Insurance offers flexibility in premium payments and death benefit amounts, allowing policyholders to adjust them according to their changing needs. The policyholder can allocate premium payments towards the cost of insurance and the cash value account, which earns interest based on the current assumption. The cash value can grow over time and be accessed through policy loans or withdrawals.

It’s important to note that the interest rate credited to the cash value is subject to change and may not always perform as anticipated.

Whole life insurance is a type of permanent life insurance that provides coverage for the entire lifetime of the insured person. It offers a guaranteed death benefit, meaning that upon the death of the insured, a specific amount of money will be paid out to the beneficiaries. In addition to the death benefit, whole life insurance also has a cash value component that grows over time, tax-deferred. This cash value can be accessed by the policyholder through loans or withdrawals. Whole life insurance premiums are typically higher compared to term life insurance, but they remain level throughout the life of the policy. It offers stability, lifelong coverage, and potential for cash accumulation, making it an attractive option for those who seek long-term financial protection.