Life Insurance

7 in 10 Americans overestimate the cost of Life insurance

We are here to help answer any life insurance questions you may have. We are an unbiased sounding board that can help you determine the type of life insurance that is best for you. As an independent agent, we work with many carriers which makes finding the best fit for your individual needs easier.
Looking for quick & easy with no medical exams?
With our new Instant decision term, not only is life insurance affordable, but the process is fast too.

Quote in seconds, coverage in minutes. Find out for yourself how affordable term life insurance can be!

Or, do you have a little more time and don’t mind medical underwriting for the benefit of a less expensive premium?

Fill out this basic information and we’ll get started on a life insurance quote for you. If you’re wondering about what goes into the process, you can get more information on it here:


Term Life Insurance:
The perfect product for “If you Die” before your retirement years. Term insurance will provide the money your family needs to stay in your home, pay for college and continue your income until retirement.

Permanent Life Insurance
The products you need to protect your family for “When you die” no matter when that day is. This typeof insurance is designed to make sure your spouse will be able to live out their life in retirement ascomfortably as you planned. Unlike term insurance, a permanent insurance policy will remain in force for as long as you continue to pay your premiums.

Final Expense Insurance
A type of Life Insurance designed for clients that want to protect their families from the burden of theirfuneral and other smaller debts.

The Basics of Life Insurance – Step by Step

Step 1 – Do Your Shopping:
The first step in the life insurance application process is to make sure that you apply with the right company for your situation. Something to keep in mind: If you’re in other than ideal health, or have a high risk hobby or occupation, than the company with the lowest rate on the quote engine isn’t the lowest rate for you. Each company will weigh certain risks differently so while Company A may come in at a lower healthy rate, Company B may have the lowest rate for your specific situation. If you’re wondering “how do I know which company?” That’s where we can help. We’ll enter your information into our system and see what looks best. We can also speak with underwriters before applying to see if it makes sense or what further information may be helpful.

Step 2 – The Application

After you found a company that’s the perfect fit it’s time to apply. The application process can take 20 to30 minutes and ask you a variety of questions. First your basic information will be collected like name, date of birth, and address. You will be asked for sensitive information like driver’s license number and social security number. This is asked so that the life insurance company can access your driving records and medical history. You will also be asked about your health and family history. The application process can be done in person, on the phone with your agent, the phone with the company directly, oran online application. It all depends on the carrier and the application process you have chosen.

When doing the application, you want to make sure you know who will receive the money if you were to pass. These are known as your beneficiaries. Most of the time you will need to know their social security number so that the life insurance company can confirm their identity in the event of your death. It’s also wise to set up your contingent beneficiaries. This is basically a backup in case something happens to your beneficiaries at the same time as you. For example, let’s say your spouse is your beneficiary, if you both pass away at the same time, you would still want your kids to receive the money, so you would make them the contingent beneficiaries on the policy.

Once you answer all the questions it will be time to schedule the medical exam.

Step 3 – The Medical Exam

Most people want to avoid the medical exam because of the hassle but it’s really not a big deal. This exam will be scheduled at a time and place of your choosing at absolutely no cost to you, other than a few minutes of your time and a few drops of your blood. A qualified nurse will come out to your home and check your blood pressure, take a blood sample, a urine sample, check your height/weight, and ask you a few questions.How you perform on this exam can directly influence your rate. Here a couple things you can do to provide the most favorable outcome.

Eat clean a couple days before your exam.
Stay clear of alcohol, strenuous exercise, and caffeine to avoid a blood pressure spike.
Schedule your exam in the morning. You’ll need to fast and you don’t want to go hungry all day.
This will all help to make sure you get a good reading the day of the exam, this can mean a difference between rate classes

Step 4 – Underwriting

The life insurance underwriting process is the longest part of the life insurance application. This will take4 to 8 weeks and will include an entire review of all your records. The company will look into theMedical Information Bureau (MIB) and pull up your medical history. If there is something that requiresfurther clarification, they will either reach out to you or request more records from your doctor. Theunderwriter will also review your driving history and lifestyle. Based on all these factors the lifeinsurance company will make a decision on the type of rate you qualify for.

Step 5 – Policy Approval
Once you get approved for coverage you will receive the policy quickly. When the policy is in front ofyou, you’ll have to set up payment, sign it, and send it back. After the first payment comes out, you’reofficially covered for life insurance. You will have a 30 day free look period to review the policy and ifsomething isn’t to your liking you can change it or get your money back.

Helpful Tips

Do your shopping! Learn about the product you are buying.

Be honest with yourself and your agent on your application, this will only benefit you in the long termand short term.

Ace the medical exam, it will directly influence your rate.

If you’re a high risk, have your agent include a cover letter detailing your condition, the severity of it,and how you are treating it. This will increase your chances of getting the best rate class you can.

For the most part this is what you can expect when applying for a traditional life insurance policy.Sometimes the process can differ with different companies and product types. Some products likesimplified and guaranteed issue plans offer options to bypass the medical exam so it can be a bit moreexpedited than the traditional medical exam option.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all of your options.