life insurance

Finding the right policy can seem overwhelming at times, but with our help, you can easily find and apply for life insurance. Also, we have a team of experienced and licensed life insurance agents ready to answer any questions. 

If an interview is needed, what information will you need to have on hand?

• Financial Information (salary & outstanding debts).
• Your and family medical history and current medication.
• Your beneficiaries (individual(s) receiving the death benefit. 
• The contract information for your primary care physician.

Our application process is very easy to follow. Our goal is to ensure that you are getting the very best policy for your needs. Here's what to expect. 

1. Get a quote. You can request a life insurance quote online or over the phone. We hold  your hand every step of the way. 
2. Speak with an agent.  If you need help finding a policy, do not hesitate to pick up the phone. With a quick  10 minute call, we will find the perfect policy for you.
3. Complete an application. After you choose a policy.  This will  provide us with needed information to approve your coverage.
4. Take a medical exam (if needed). This helps determine your  rate. The medical exam is easy and usually doesn't take more than 30 minutes.
5. Underwriting begins. Underwriting is the process in which we review your application and assess your insurance risk. Be patient in this stage; the process may take a few weeks.

What could affect your premiums?

• The length and the amount of the policy,
• age,
• physical and mental health,
• nicotine or tobacco use,
• driving record,
• travel plans,
• medical history, 
• high risk activities like skydiving, flying a plane or bungee jumping.