Frequently Asked Questions

A Financial Needs Analysis (FNA) is a personalized assessment that examines your income, debts, dependents, and financial goals to calculate exactly how much life insurance coverage your family needs. Unlike online calculators that use generic formulas, our FNA considers your unique situation to provide a specific recommendation.

No. The Financial Needs Analysis is completely free with no obligation. We believe everyone deserves to understand their insurance needs, regardless of whether they choose to work with us. There's no pressure and no commitment required.

Online quotes use algorithms and industry averages to suggest coverage amounts. We sit down with you, understand your specific situation, and calculate what YOUR family actually needs. Plus, we build an ongoing relationship, so you have someone to call when life changes or when you need to file a claim.

We serve families nationwide. Whether you prefer meeting in person, over the phone, or via video call, we're here to help protect your family wherever you are.

The right amount depends on your specific situation, including your income, debts, number of dependents, and financial goals. A common guideline is 10-12 times your annual income, but the best way to know is through a personalized Financial Needs Analysis. That's exactly what we provide, free of charge.

Term life insurance provides coverage for a specific period (like 10, 20, or 30 years) at an affordable, fixed rate. Whole life insurance provides lifetime coverage but costs significantly more. We believe in "Buy Term and Invest the Difference" because it gives you maximum protection while allowing you to build wealth through other investments.

Many people with health conditions can still get coverage. The specifics depend on the condition, treatment, and overall health picture. During our consultation, we'll discuss your situation and help you understand your options. Don't assume you can't get covered; let us help you find out what's possible.

When your term ends, you typically have options: renew at a higher rate, convert to a permanent policy, or let the coverage expire if you no longer need it. The goal is to have the coverage during the years when your family most needs protection, then reassess as your situation changes.

Simply fill out the contact form on our website or reach out via email. We'll get back to you to schedule your free Financial Needs Analysis at a time that works for you. It's that easy.

The initial Financial Needs Analysis typically takes about 45-60 minutes. If you decide to move forward with coverage, the application process varies but usually takes a few weeks from application to policy delivery, depending on factors like medical requirements.

It helps to know your approximate income, major debts (mortgage, car loans, student loans), any existing life insurance coverage, and your family's financial goals. Don't worry if you don't have exact numbers. We'll work through it together during our conversation.