Frequently Asked Questions

Nothing. Our services are completely free to you. We are paid by the insurance carriers through commissions built into the premium — the same premium you’d pay if you went directly to the carrier. You get unbiased advice and access to dozens of carriers at no extra cost.

We are fully independent. We are not tied to any single insurance company. That means we can shop dozens of top-rated carriers to find the best rate and product for your specific situation — rather than being limited to one company’s offerings.

We are licensed in 35+ states and work entirely by phone and online. You do not need to be in a specific location to work with us — we can help you wherever you are.

You can get started instantly using our online quote tools, or you can call us directly at 1-888-972-0024. Our advisors are available 7 days a week, 9am–9pm. For most products, we can provide a quote within minutes.

It depends on the product and carrier. Many no-exam life insurance policies can be approved and issued the same day or within a few days. Fully underwritten policies typically take 3–6 weeks depending on how quickly medical records and any required exams are completed. Disability and Medicare supplement policies also vary, but we’ll keep you updated throughout the process.

A common starting point is 10–12 times your annual income, but the right amount depends on your debts, number of dependents, income replacement goals, and future expenses like college tuition or a mortgage. We recommend a more thorough needs analysis — call us and we can walk through it with you in minutes.

Term life insurance provides coverage for a specific period (10, 20, 30 years, etc.) and pays a death benefit if you pass away during that term. It’s the most affordable type of life insurance. Whole life insurance is permanent — it covers you for your entire life and builds cash value over time, but costs significantly more. Most people focused on income replacement and family protection are best served by term.

Often yes. Carriers vary widely in how they underwrite conditions like diabetes, heart disease, cancer history, sleep apnea, obesity, and many others. As independent brokers, we know which carriers are most favorable for specific conditions and can match you with the right company. Some conditions may result in a higher rate (table rating) rather than a flat decline.

Accelerated underwriting is a process where carriers use data analytics, prescription history, and motor vehicle records instead of a traditional medical exam to approve applicants — often in days or even minutes. Younger, healthier applicants typically qualify for this. Coverage amounts and eligibility vary by carrier.

Not always. Many carriers offer no-exam term life policies up to $1 million or more, depending on your age and health. Simplified issue and guaranteed issue products are also available for those who can’t qualify traditionally. We’ll recommend the best path based on your situation.

Disability insurance replaces a portion of your income — typically 60–70% — if you become unable to work due to illness or injury. It pays a monthly benefit directly to you, not to your employer or a medical provider. It’s often called “income insurance” because your ability to earn a living is your most valuable financial asset.

Own-occupation is the strongest definition of disability. It means you are considered disabled — and eligible for benefits — if you can no longer perform the material duties of your specific occupation, even if you could theoretically work in another field. This is especially important for professionals like physicians, dentists, attorneys, and other specialists.

Workers’ compensation only covers injuries or illnesses that occur on the job. The vast majority of disabilities are caused by illness, not workplace accidents — meaning workers’ comp would not apply. Individual disability insurance covers you regardless of where or how your disability occurs.

If you pay the premiums with after-tax dollars (which is typical for individual policies), your benefits are generally received income-tax-free. If your employer pays the premiums as a pre-tax benefit, the benefits are typically taxable. We recommend confirming specifics with a tax advisor.

A Medicare Supplement (Medigap) plan is private insurance that works alongside Original Medicare (Parts A and B) to cover costs that Medicare doesn’t fully pay — like deductibles, copays, and coinsurance. There are standardized plan letters (A, B, D, G, K, L, M, N) and the benefits are identical regardless of which carrier you choose — so price and company stability are the key differences.

The best time is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this window, you have guaranteed issue rights — meaning no carrier can deny you or charge you more based on your health. After this window closes, you may be subject to medical underwriting.

Plan G covers almost everything Medicare doesn’t — including Part B excess charges — except the Part B deductible (which you pay once per year). Plan N also requires you to pay the Part B deductible, plus copays of up to $20 for office visits and $50 for emergency room visits, and does not cover Part B excess charges. Plan N typically has a lower premium than Plan G, making it a good value for beneficiaries who don’t visit the doctor frequently.

Yes, but outside of your open enrollment period or a qualifying special enrollment event, switching typically requires answering health questions and passing medical underwriting. Some states have birthday rules or other protections that allow you to switch plans with similar or lesser benefits without underwriting once per year. We can walk you through the rules in your state.

Long-term care (LTC) insurance helps pay for extended care services — including home health aides, assisted living facilities, adult day care, and nursing home care — when you can no longer perform two or more Activities of Daily Living (ADLs) on your own, or when cognitive impairment requires supervision. Medicare typically covers only short-term skilled care, not long-term custodial care.

Ideally in your 50s or early 60s, when premiums are lower and you are more likely to qualify medically. Waiting too long increases both premiums and the risk of being declined due to health conditions. The best window is generally between ages 52 and 65.

Yes. Hybrid life/LTC policies combine a life insurance death benefit with a long-term care rider, so premiums are not “wasted” if care is never needed. Annuity-based LTC products are another option. We can help you compare traditional and hybrid options side by side.