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Common questions answered
In this section, you can find answers to frequently asked questions. Life insurance is one of the most important financial decisions you can make to protect the people who matter most. It provides peace of mind knowing that if something unexpected happens, your loved ones will have the financial support they need to cover everyday expenses, pay off debts, maintain their lifestyle, and secure their future. Beyond replacing income, life insurance can also help with long-term goals such as funding education or preserving family assets. It’s not just about preparing for the unexpected—it’s about creating security and stability for the people you care about most.
Employer life insurance is a great perk, but it’s usually not a complete solution. Here’s why many people add their own policy: 1) Amount: Most jobs offer a small multiple of salary or a small flat amount. Many families need more; often 10–15× income, to cover the mortgage, debts, childcare, and future goals. 2) Control: Your own policy is portable. If you change jobs, get laid off, or take a break from work, your coverage stays put. 3) Cost over time: Group rates can rise, and “porting” or “converting” work coverage after you leave is often much more expensive than owning a policy you locked in when you were younger/healthier. 4) Underwriting advantage: Buying now can lock in your health class. If your health changes later, you still keep the same rate. 5) Flexibility: With a personal policy you choose the term length, coverage amount, and riders (like waiver of premium or child coverage) that actually fit your situation. 6) Job changes: Promotions, career shifts, or entrepreneurship shouldn’t put your family protection at risk. An individual policy removes HR and open-enrollment guesswork. Bottom line: Keep the free/cheap group coverage—it’s a nice base. Then add your own policy to get the right amount, better control, and stable pricing you won’t lose when your job changes.
Term covers you for a set period (i.e. 10–30 years) at the lowest cost. Permanent (whole/UL) can last your whole life and may build cash value, but costs more.
Age, health, tobacco use, coverage amount, term length, driving record, and hobbies. Buying younger usually means lower rates.
Not always. Many applications use “accelerated underwriting” with just online questions and database checks. Some carriers still require a physical exam.
You may still qualify. Carriers price risk differently, and we shop the market to find the best fit for your profile.
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