Protecting Families Across 30 States

Not always. Many of our term life and final expense policies are approved with just a short health questionnaire — no blood draws, no doctor visits. These are called "simplified issue" policies and most approvals come back within 24–48 hours. If you do qualify for a fully underwritten policy (with an exam), you'll typically get a better rate. We'll always show you both options.

For simplified issue policies — same day to 48 hours in most cases. For fully underwritten term life (with a medical exam), expect 2–6 weeks. Final expense policies are the fastest — some carriers approve instantly. We'll always let you know the expected timeline before you apply so there are no surprises.

Term life covers you for a set period — 10, 20, or 30 years — and pays a death benefit if you pass during that time. It's simple and affordable. Permanent life (like IUL or whole life) never expires and builds a cash value you can access while you're alive. The right choice depends on your goals: pure income protection, long-term wealth building, or both. We help you figure out which fits your situation.

Yes — often. Different carriers underwrite differently, so a condition that disqualifies you with one carrier may be perfectly acceptable with another. Final expense policies offer guaranteed acceptance options regardless of health history. For health insurance, ACA marketplace plans cannot deny you or charge you more for pre-existing conditions. We know which carriers are most lenient for specific conditions and will steer you toward the best fit.

A common rule of thumb is 10–12x your annual income, but the real answer depends on your specific situation — your mortgage balance, number of dependents, existing savings, debts, and how long until your family would be financially self-sufficient. We'll walk you through a simple needs analysis when you request a quote so you get the right number, not just the most expensive option.

When you go directly to a carrier, they can only show you their own products — even if a competitor has a better rate or better features for your situation. As an independent agency, we're contracted with multiple carriers and are required to recommend what's in your best interest. We do the comparison shopping for you, at no extra cost. Carriers pay our commission — your premium is the same whether you use us or not.

We are licensed in 30 states: AK, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MT, NC, NE, NM, NV, OH, OK, OR, PA, SC, TX, UT, WA, and WI. If you're not sure whether we can serve your state, reach out and we'll confirm.