Guarding Your Legacy Like Royalty

Frequently Asked Questions

From consulting and strategy development to implementation and support, our comprehensive services can help your business thrive.

What’s the difference between term life and whole life insurance?

Term life provides affordable coverage for a set period, like 10–30 years. Whole life lasts your entire lifetime, includes a guaranteed death benefit, and builds cash value over time.

Do I need a medical exam to get life insurance?

No. Approval is based on a simple health questionnaire and a review of your medical records, making the process fast, easy, and convenient.

How quickly can my life insurance policy be approved?

Some policies can be approved in as little as 24–48 hours. More complex cases may take a few days.

What is final expense insurance?

Final expense insurance is a smaller, affordable policy designed to cover end-of-life costs such as funeral expenses, medical bills, and small debts, so your loved ones aren’t burdened financially.

What types of insurance do you offer?

We specialize in life insurance, final expense insurance, mortgage protection, and other coverage options to protect your family’s financial future.

How do I know how much life insurance I need?

A common rule is 10–15 times your annual income, but the exact amount depends on your debts, monthly expenses, and future goals. We can help you calculate the right coverage for your unique needs.

How does mortgage protection insurance work?

Mortgage protection insurance helps pay off or cover your mortgage if you pass away or, in some cases, become disabled. This ensures your family can remain in their home.

How much does life insurance cost?

Rates depend on your age, health, coverage amount, and type of policy. Many healthy adults can get coverage for less than the cost of a daily cup of coffee.

What happens if I outlive my term life policy?

If your policy ends, you can renew it (at higher rates and depending on the carrier), convert it to a permanent policy (depending on the carrier), or choose a new policy based on your current needs.

Can I have more than one life insurance policy?

Yes. Many people choose to have multiple policies to cover different needs—such as a term policy for income replacement and a whole life policy for permanent protection.

How do I start the process?

Simply contact us for a free consultation. We’ll review your needs, compare options from multiple carriers, and help you apply for the best plan for your budget.

Can I change my coverage later?

Yes. You can often increase coverage, decrease it, or switch policy types as your needs change—though this may require updated health information.

What if I have a pre-existing health condition?

Many of our carriers work with clients who have health conditions such as diabetes, high blood pressure, or a history of cancer. While health factors can affect your rates, we have access to multiple companies to help find the most competitive options available.

What is an Indexed Universal Life (IUL) policy and how does it work?

An IUL is a type of permanent life insurance that provides a death benefit along with a cash value component that can grow based on the performance of a market index, such as the S&P 500. It offers flexible premiums, potential for higher cash value growth than whole life, and downside protection so your cash value isn’t directly exposed to market losses.