How much does coverage cost?
It depends on your age, health, the type of policy and how much coverage you want. You choose an amount that fits your monthly budget, and I compare carriers to find a good price.
Do I need a medical exam?
Many plans don't. Instead you answer a few health questions. Some plans are designed for people with health conditions.
Am I too old to get coverage?
Many final expense plans accept applicants into their 80s. Your options depend on your age and health, which we'll go over on a short call.
What's the difference between term, final expense and IUL?
Term covers you for a set number of years at a lower cost. Final expense is smaller whole life coverage for end-of-life costs. IUL is permanent coverage that can also build cash value tied to a market index. I'll help you figure out which fits.
Is an IUL a good way to save for retirement?
For some people it can be part of a plan, but it's life insurance first, not an investment. It has costs, caps and terms that matter. I'll walk you through how it works and whether it makes sense for you.
Will my price go up?
Most final expense and many term policies have level premiums, but terms vary by plan. I'll go over the details of any plan before you decide.