A supportive and flexible life insurance.

This should be the very first question you need to ask yourself. It will determine the best type of policy for you and that you are not overpaying for coverage. You need to focus on the options that fit your individual’s budget and needs. There are many ways you can calculate approximately how much coverage you need. One of these ways is using the LIFE calculator. By completing an analysis, we can ensure that the coverage amount is adequate and sufficient. An experienced agent will guide you in completing these questions and account for what you already have in place to meet these needs.
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‍L – living expenses (car loan, credit card balance, mortgage and etc.)
‍I – income replacement (usually 10x the annual income)
‍F – final expense (the average funeral in the United States vary between $5,000-$10,000)
‍E – education (college fund for the kids)

Did you know that many people overestimate the cost of life insurance? In fact, 63% believe that Life Insurance is “expensive” and they probably can’t afford it. Also,  74% of customers over-estimated the actual cost of insurance by 2 times the amount! (according to the 2018 LIMRA Barometer study).

Unfortunately, a lot of people think they cannot afford life insurance. Therefore, they are either not insured or significantly underinsured. Cost is a concern for many people, so we’ve created a comprehensive guide on how is your life insurance rate determined. That way you would have a better understanding of the factors playing into your rate.

To fully answer this question you need to understand why are you looking for coverage in the first place and how much coverage you need. There is no one size fits all insurance.Here are 2 major categories of life insurance: term insurance and permanent insurance. For some, based on their needs, term insurance makes the most some, for others a permanent plan will be a better fit. In many instances, a combination of the two would be the best solution. It all comes down to your needs and budget.
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No, you don’t. There are many companies that could offer life insurance without requiring the additional step of a medical exam. Just keep in mind, for some options an exam will be required.