comfortable & affordable life insurance
You can qualify for
Life is stressful right now. Life insurance doesn't have to be.

Work directly with a medical underwriter assigned to you to determine what you qualify for

Avoid the unwanted phone calls from dozens of insurance agents and sales reps calling you day-in and day-out

Handle the entire process in 20 minutes. 1...2...3, eliminate the burden either over the phone or via video conference

Discover the most affordable programs you can qualify with an underwriter licensed amongst over a dozen A-rated carriers

Life Changes & Your Policy Should Too!

The right life insurance policy is unique to you and dependent on your financial and personal needs. There are no one-size-fits-all policies. As your life evolves, your life insurance coverage may also need to change in order to reflect your life's current needs.

Not sure what life transformations may require a policy tune-up? Take a look below:
  • You recently got married or divorced
  • You started or launched a new business
  • You became a parent or grandparent
  • You recently purchased a new home
  • You're providing financial support to a parent
  • You are concerned about handling final expenses
  • You are concerned about retirement income
  • You recently refinanced your home mortgage
  • Your health or spouse's health has deteriorated 

If any of the above applies to you or you are simply curious about more affordable policies in your area, request a FREE quote today!

Commonly Asked Questions

What types of life insurance are available?
There are 3 types of life insurance options available: term, whole life, and universal. Each one holds its own pros and cons as well as eligibility requirements. It's important to have a clear understanding of your medical history as well as financial goals to thoroughly decide on the right fit.
What is a term policy
Term policies expire after a period of time, typically between 10-30 years. By nature, term policies offer larger coverage for smaller premiums, however, statistically a vast majority of term policies are never paid because the policyholder outlives the policy. The benefit here is to have something in place temporarily if something happens for a low cost. Term policies are not bad policies. Personally speaking, as an underwriter I have a term policy myself, however, like you, I am not in the business of wasting my money. Some term products offer a full cash back option to obtain the temporary coverage requested and should you outlive the policy, the money put into the policy is returned back to you. You can think of this as a long term savings account. Ask your underwriter about cashback term policies if interested.
What is a whole life policy?
Whole life policies do not expire until you expire, meaning they are good until the time of death. Typically these policies are for final expenses for older clients over the age of 50. Opposite of term, whole life offers guaranteed death benefits with smaller coverage for a larger premium. There is a bit more leniency on underwriting whole life policies, but typically the largest limitation is the coverage allotted under one policy. Doesn't mean we can't obtain more coverage if desired/necessary, but costs more than term policies due to the permanence. 
What is a universal life policy?
Many people are not aware of the 3rd option in the life insurance family, universal life. Universal life policies offer a unique blend between term and whole life policies as they hold the permanence and security whole life offers, but typically a bit cheaper in premiums like term policies. Universal policies are asset driven focused on building retirement for individuals with a cash value. The policy holds a death benefit like the other policy types, but grows year over year alongside the growth of the S&P500. This type of policy offers multiple benefits including living benefits and cash value to borrow against. Ask your underwriter about universal life policies if interested.
Why do people hold a term policy if it expires?
Term holds the benefit of obtaining more coverage for less costs. It is also the most available or provided financial product amongst insurance companies and insurance agents. Having a term policy is not a bad thing if the coverage is needed for a cheaper price. However, there are options available to have a term policy with a return of premiums in the event you outlive the policy for some extra assurance.
I have life insurance through my work, do I need more life insurance?
In most cases, yes. This is for several reasons. In most cases, the insurance individuals acquire through work is temporary coverage meaning you have coverage until you are fired, quit, or retire. From there, to obtain a new coverage policy, you are now paying the premiums at the age you are insured instead of the age you might have been when you first began working. Another reason one might consider individual coverage is typically for larger death benefits. Most insurance offered through work are simple plans covering between $10K-20K for final expenses.
Why should I submit my information?
Most insurance request forms and quotes require you to submit your information including name, email, phone number, date of birth, and basic health criteria. This is true in order to obtain accurate quotes. However, most request forms will also sell your information to multiple third parties, hence the reason why you will be bombarded with a dozen unexpected phone calls before the end of the hour. This form is a request sent directly to an individual medical underwriter for assessment and review with 14 carriers. Your information is never sold or shared with third parties.
What if I don't qualify based on my medical history?
The next page will identify a few health concerns you may have experienced in the last few years including cancer, heart problems, diabetes, and high blood pressure. This does not disqualify you from coverage, but rather limits your options on what you can qualify for rather than providing you with generic quotes and empty promises. We're confident we've seen just about everything under the sun, medically speaking.
Life is stressful right now. Life insurance doesn't have to be.

Life Changes & Your Policy Should Too!

The right life insurance policy is unique to you and dependent on your financial and personal needs. There are no one-size-fits-all policies. As your life evolves, your life insurance coverage may also need to change in order to reflect your life's current needs.

Not sure what life transformations may require a policy tune-up? Take a look below:
  • You recently got married or divorced
  • You started or launched a new business
  • You became a parent or grandparent
  • You recently purchased a new home
  • You're providing financial support to a parent
  • You are concerned about handling final expenses
  • You are concerned about retirement income
  • You recently refinanced your home mortgage
  • Your health or spouse's health has deteriorated 

If any of the above applies to you or you are simply curious about more affordable policies in your area, request a FREE quote today!

Work directly with a medical underwriter assigned to you to determine what you qualify for

No medical exams, scheduled doctors visits, or unwanted home appointments with a nurse practitioner

Work directly with a medical underwriter assigned to you to determine what you qualify for

Avoid the unwanted phone calls from dozens of insurance agents and sales reps calling you day-in and day-out

Handle the entire process in 20 minutes completely hands-free, no in home visits

Handle the entire process in 20 minutes. 1...2...3, eliminate the burden either over the phone or via video conference

Discover the most affordable programs you can qualify with an underwriter licensed amongst over a dozen A-rated carriers

comfortable & affordable life insurance
You can qualify for
Life is stressful right now. Life insurance doesn't have to be.

Life Changes & Your Policy Should Too!

The right life insurance policy is unique to you and dependent on your financial and personal needs. There are no one-size-fits-all policies. As your life evolves, your life insurance coverage may also need to change in order to reflect your life's current needs.

Not sure what life transformations may require a policy tune-up? Take a look below:
  • You recently got married or divorced
  • ​You started or launched a new business 
  • You became a parent or grandparent
  • You recently purchased a new home
  • ​You are providing financial support to a parent
  • You are concerned about handling final expenses
  • You are concerned about retirement income
  • You recently refinanced your home mortgage
  • Your health or spouse's health has deteriorated 

If any of the above applies to you or you are simply curious about more affordable policies in your area, request a FREE quote today!

Work directly with a medical underwriter assigned to you

Avoid unwanted phone calls from dozens of insurance agents and sales reps calling day-in and day-out

Handle the entire process in 20 minutes completely hands-free, no in home visits

No medical exams or nurse & paramedic visits

Discover the most affordable programs you can qualify for with an underwriter licensed amongst over a dozen A-rated carriers

Commonly Asked Questions

What types of life insurance are available?
There are 3 types of life insurance options available: term, whole life, and universal. Each one holds its own pros and cons as well as eligibility requirements. It's important to have a clear understanding of your medical history as well as financial goals to thoroughly decide on the right fit.
What is a term policy
Term policies expire after a period of time, typically between 10-30 years. By nature, term policies offer larger coverage for smaller premiums, however, statistically a vast majority of term policies are never paid because the policyholder outlives the policy. The benefit here is to have something in place temporarily if something happens for a low cost. Some term products offer a full cash back option to obtain the temporary coverage requested and should you outlive the policy, the money put into the policy is returned back to you. You can think of this as a long term savings account. Ask your underwriter about cashback term policies if interested.
What is a whole life policy?
Whole life policies do not expire until you expire, meaning they are good until the time of death with no increase in premium. Typically these policies are for final expenses for older clients over the age of 50. Opposite of term, whole life offers guaranteed death benefits with smaller coverage for a larger premium. There is a bit more leniency on underwriting whole life policies, but typically the largest limitation is the coverage allotted under one policy. Doesn't mean we can't obtain more coverage if desired/necessary, but costs more than term policies due to the permanence. 
What is a universal life policy?
Many people are not aware of the third option in the life insurance family, universal life. Universal life policies offer a unique blend between term and whole life policies as they hold the permanence and security whole life offers, but typically a bit cheaper in premiums like term policies. Universal policies are asset driven focused on building retirement for individuals with a cash value. The policy holds a death benefit like the other policy types, but the cash value grows year over year alongside the growth of the S&P500. This type of policy offers multiple benefits including living benefits and money to borrow against. Ask your underwriter about universal life policies if interested.
Why do people hold a term policy if it expires?
Term holds the benefit of obtaining more coverage for less costs. It is also the most available or provided financial product amongst insurance companies and insurance agents. Having a term policy is not a bad thing if the coverage is needed for a cheaper price. However, there are options available to have a term policy with a return of premiums in the event you outlive the policy for some extra assurance. This means the money paid in premiums is returned back to you if the policy expires.
I have life insurance through my work, do I need more life insurance?
In most cases, yes. This is for several reasons. Typically, the insurance individuals acquire through work is temporary coverage meaning you have coverage until you are fired, quit, or retire. From there, to obtain a new coverage policy, you are now paying the premiums at the age you are insured instead of the age you might have been when you first began working, meaning premiums are much higher. Another reason one might consider individual coverage is typically for larger death benefits. Most insurance offered through work are simple plans covering between $10K-20K for final expenses.
Why should I submit my information?
Most insurance request forms and quotes require you to submit your information including name, email, phone number, date of birth, and basic health criteria. This is true in order to obtain accurate quotes. However, most request forms will also sell your information to multiple third parties, hence the reason why you will be bombarded with a dozen unexpected phone calls before the end of the hour. This form is a request sent directly to an individual medical underwriter for assessment and review with over a dozen carriers. Your information is never sold or shared with third parties.
What if I don't qualify based on my medical history?
The next page will identify a few health concerns you may have experienced in the last few years including cancer, heart problems, diabetes, and high blood pressure. This does not disqualify you from coverage, but rather limits your options on what you can qualify for rather than providing you with generic quotes and empty promises. We're confident we've seen just about everything under the sun, medically speaking.

Commonly Asked Questions

What types of life insurance are available?
There are 3 types of life insurance options available: term, whole life, and universal. Each one holds its own pros and cons as well as eligibility requirements. It's important to have a clear understanding of your medical history as well as financial goals to thoroughly decide on the right fit.
What is a term policy
Term policies expire after a period of time, typically between 10-30 years. By nature, term policies offer larger coverage for smaller premiums, however, statistically a vast majority of term policies are never paid because the policyholder outlives the policy. The benefit here is to have something in place temporarily if something happens for a low cost. Term policies are not bad policies. Personally speaking, as an underwriter I have a term policy myself, however, like you, I am not in the business of wasting my money. Some term products offer a full cash back option to obtain the temporary coverage requested and should you outlive the policy, the money put into the policy is returned back to you. You can think of this as a long term savings account. Ask your underwriter about cashback term policies if interested.
What is a whole life policy?
Whole life policies do not expire until you expire, meaning they are good until the time of death. Typically these policies are for final expenses for older clients over the age of 50. Opposite of term, whole life offers guaranteed death benefits with smaller coverage for a larger premium. There is a bit more leniency on underwriting whole life policies, but typically the largest limitation is the coverage allotted under one policy. Doesn't mean we can't obtain more coverage if desired/necessary, but costs more than term policies due to the permanence. 
What is a universal life policy?
Many people are not aware of the 3rd option in the life insurance family, universal life. Universal life policies offer a unique blend between term and whole life policies as they hold the permanence and security whole life offers, but typically a bit cheaper in premiums like term policies. Universal policies are asset driven focused on building retirement for individuals with a cash value. The policy holds a death benefit like the other policy types, but grows year over year alongside the growth of the S&P500. This type of policy offers multiple benefits including living benefits and cash value to borrow against. Ask your underwriter about universal life policies if interested.
Why do people hold a term policy if it expires?
Term holds the benefit of obtaining more coverage for less costs. It is also the most available or provided financial product amongst insurance companies and insurance agents. Having a term policy is not a bad thing if the coverage is needed for a cheaper price. However, there are options available to have a term policy with a return of premiums in the event you outlive the policy for some extra assurance.
I have life insurance through my work, do I need more life insurance?
In most cases, yes. This is for several reasons. In most cases, the insurance individuals acquire through work is temporary coverage meaning you have coverage until you are fired, quit, or retire. From there, to obtain a new coverage policy, you are now paying the premiums at the age you are insured instead of the age you might have been when you first began working. Another reason one might consider individual coverage is typically for larger death benefits. Most insurance offered through work are simple plans covering between $10K-20K for final expenses.
Why should I submit my information?
Most insurance request forms and quotes require you to submit your information including name, email, phone number, date of birth, and basic health criteria. This is true in order to obtain accurate quotes. However, most request forms will also sell your information to multiple third parties, hence the reason why you will be bombarded with a dozen unexpected phone calls before the end of the hour. This form is a request sent directly to an individual medical underwriter for assessment and review with 14 carriers. Your information is never sold or shared with third parties.
What if I don't qualify based on my medical history?
The next page will identify a few health concerns you may have experienced in the last few years including cancer, heart problems, diabetes, and high blood pressure. This does not disqualify you from coverage, but rather limits your options on what you can qualify for rather than providing you with generic quotes and empty promises. We're confident we've seen just about everything under the sun, medically speaking.
Life is stressful right now. Life insurance doesn't have to be.

Avoid the unwanted phone calls from dozens of insurance agents and sales reps calling you day-in and day-out

Discover the most affordable programs you can qualify with an underwriter licensed amongst over a dozen A-rated carriers

Life Changes & Your Policy Should Too!

The right life insurance policy is unique to you and dependent on your financial and personal needs. There are no one-size-fits-all policies. As your life evolves, your life insurance coverage may also need to change in order to reflect your life's current needs.

Not sure what life transformations may require a policy tune-up? Take a look below:
  • You recently got married or divorced
  • You started or launched a new business
  • You became a parent or grandparent
  • You recently purchased a new home
  • You're providing financial support to a parent
  • You are concerned about handling final expenses
  • You are concerned about retirement income
  • You recently refinanced your home mortgage
  • Your health or spouse's health has deteriorated 

If any of the above applies to you or you are simply curious about more affordable policies in your area, request a FREE quote today!

Commonly Asked Questions

What types of life insurance are available?
There are 3 types of life insurance options available: term, whole life, and universal. Each one holds its own pros and cons as well as eligibility requirements. It's important to have a clear understanding of your medical history as well as financial goals to thoroughly decide on the right fit.
What is a term policy
Term policies expire after a period of time, typically between 10-30 years. By nature, term policies offer larger coverage for smaller premiums, however, statistically a vast majority of term policies are never paid because the policyholder outlives the policy. The benefit here is to have something in place temporarily if something happens for a low cost. Some term products offer a full cash back option to obtain the temporary coverage requested where the premiums are returned if the policy is outlived. Ask your underwriter about cashback term policies if interested.
What is a whole life policy?
Whole life policies do not expire until you expire, meaning they are good until the time of death. Typically these policies are for final expenses for older clients over the age of 50. Opposite of term, whole life offers guaranteed death benefits with smaller coverage for a larger premium. Typically costs more than term policies due to the permanence. 
What is a universal life policy?
Many people are not aware of the third option in the life insurance family, universal life. Universal life policies offer a unique blend between term and whole life policies as they hold the permanence and security whole life offers, but typically a bit cheaper in premiums like term policies. Universal policies are asset driven focused on building retirement for individuals with a cash value. The policy holds a death benefit like the other policy types, but the cash value grows year over year alongside the growth of the S&P500. This type of policy offers multiple benefits including living benefits and money to borrow against. Ask your underwriter about universal life policies if interested.
Why do people hold a term policy if it expires?
Term holds the benefit of obtaining more coverage for less costs. It is also the most available or provided financial product amongst insurance companies and insurance agents. Having a term policy is not a bad thing if the coverage is needed for a cheaper price. However, there are options available to have a term policy with a return of premiums in the event you outlive the policy for some extra assurance.
I have life insurance through my work, do I need more life insurance?
In most cases, yes. This is for several reasons. Typically, the insurance individuals acquire through work is temporary coverage meaning you have coverage until you are fired, quit, or retire. From there, to obtain a new coverage policy, you are now paying the premiums at the age you are insured instead of the age you might have been when you first began working, meaning premiums are much higher. Another reason one might consider individual coverage is typically for larger death benefits. Most insurance offered through work are simple plans covering between $10K-20K for final expenses.
Why should I submit my information?
Most insurance request forms and quotes require you to submit your information including name, email, phone number, date of birth, and basic health criteria. This is true in order to obtain accurate quotes. However, most request forms will also sell your information to multiple third parties, hence the reason why you will be bombarded with a dozen unexpected phone calls before the end of the hour. This form is a request sent directly to an individual medical underwriter for assessment and review with over a dozen carriers. Your information is never sold or shared with third parties.
What if I don't qualify based on my medical history?
The next page will identify a few health concerns you may have experienced in the last few years including cancer, heart problems, diabetes, and high blood pressure. This does not disqualify you from coverage, but rather limits your options on what you can qualify for rather than providing you with generic quotes and empty promises. We're confident we've seen just about everything under the sun, medically speaking.
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