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Frequently Asked Questions
Common Questions Answered for your convenience.
What type of life insurance is best for me?
It depends on your goals. Term life is simple and affordable for income protection. Whole life or IUL can provide lifelong coverage and build cash value. We can help you choose the right fit.
Will I be approved for life insurance?
Approval depends on your health, age, and lifestyle. There are options for nearly everyone—including simplified issue and guaranteed issue policies if you have health concern
Can I access the cash value of my policy?
Only permanent policies (whole life or IUL) build cash value over time. You can borrow or withdraw from it if needed. Term life does not build cash value.
How much insurance do I need?
It depends on your situation—like your debts, mortgage, income, and family goals. A simple starting point is 10–15x your annual income, but we can help you figure out the right amount for your needs.
How much will life insurance cost?
Premiums vary based on your age, health, coverage amount, and policy type. Term life is usually the most affordable, while permanent policies cost more but build cash value.
Do I really need life insurance?
If you have loved ones who depend on your income, life insurance can protect their future. Even if you have employer coverage, it may not be enough or go with you if you change jobs.
