A: No — your beneficiaries receive the death benefit tax-free in most cases.
A: We work with multiple carriers that specialize in covering people with diabetes, high blood pressure, even cancer history.
A: Some clients are approved in 24–48 hours — even with no medical exam.
A: Term covers you for a set time. Permanent (like whole life or IUL) lasts for life and builds cash value.
A: With term insurance — no. With whole life or IUL, you’re building cash value you can access and leave behind.
A: Yes. You can borrow against it tax-free with no early withdrawal fees.
A: Term policies start around $20–$40/month, and many IUL or Whole Life clients start around $150–$300/month.
A: It’s a life insurance policy that grows cash value based on market index performance — with no downside risk.
A: No catch — just structure. Annuities offer guaranteed income, but some lock up your funds for a set time. We help you pick the right structure.
A: Yes, you can cancel term or permanent coverage at any time.
A: Many carriers allow this — no new medical exam required.