Frequently Asked Questions
What are your Products?
Answer: Term Life, Whole Life, Children’s Whole Life, Retirement Solutions.
Do I need to take a medical exam?
Answer: No, all of the insurance products that we provide are what is considered a simplified issue, where a medical exam is not required. Underwriting is based on your MIB, pharmaceutical, and motor vehicle report. This helps clients get approved faster and helps better protect their medical privacy.
I already have an insurance policy, can your agents put me in a better position?
Answer: Absolutely! With insurance being regulated at the state level, we have the ability to replace a policy to better fit you and your families needs. If we can get you better pricing and/or value we can easily replace your current policy. You can also just simply obtain an additional policy for added coverage if needed.
Do you offer Group Life insurance?
Answer: No, we offer Individual Life insurance policies at this time.
What areas do you service?
Answer: We have licensed agents that service Alabama, Arizona, Colorado, Georgia, Louisiana, Mississippi, Nevada, Tennessee, and Wisconsin.
Are you an insurance Carrier?
Answer: No, We are a brokerage firm of independent agents appointed with over a dozen insurance carriers.
Do I need a Mortgage to get coverage?
Answer: No! Mortgage protection is one of the many coverage options that we offer. We also assist families with Whole life, Children’s whole life and retirement solutions. If you don’t have a mortgage and would still like to acquire a Term policy with the return of premium option – we can assist in making that happen.
Do you make home appointments?
Answer: Yes! Our agents are available 7 days a week to better accommodate you and your families schedule.
If I have been declined for coverage in the past can I still purchase a policy?
Answer: Our agents are trained professionals whose main goal is to place you and your family in the best position. We will speak with you to discuss the nature of the past declined policy and try to best fit you with another carrier that will approve coverage.