Everything you need to know about life insurance and working with me.
Life insurance is a contract between you and an insurance company. You pay regular premiums, and in return, the company pays a death benefit to your beneficiaries when you pass away. It's designed to financially protect the people who depend on you.
A common rule of thumb is 10–15x your annual income, but the right amount depends on your specific situation — including debts, dependents, future goals (like college tuition), and existing savings. During our consultation, I'll help you calculate exactly what you need.
Term life covers you for a set period (10–30 years) and is the most affordable option. Whole life covers you for your entire life and builds cash value over time. Term is great for temporary needs; whole life is ideal for permanent protection and wealth building.
Not necessarily. Many carriers now offer no-exam policies with instant or accelerated underwriting. Some products, like final expense, require no exam at all. I can help you find coverage that matches your health profile and preferences.
Yes. Different carriers evaluate health conditions differently, which is exactly why working with an independent broker like me is so valuable. I know which carriers are most favorable for specific conditions and can find you the best option.
It depends on your age, health, coverage amount, and type of policy. A healthy 30-year-old can often get $500,000 in term coverage for under $25/month. The best way to find out is to get a personalized quote — which I provide for free.
No. My services are 100% free to you. I'm compensated by the insurance carriers when a policy is placed. This means you get expert, unbiased guidance at no additional cost — the price you pay for a policy is the same whether you buy direct or through me.
I'm currently licensed in Texas, Ohio, North Carolina, Virginia, and Michigan. I'm actively expanding to additional states. If your state isn't listed, reach out anyway — I may be able to help or can refer you to a trusted colleague.
A broker works for you, not the insurance company. I shop across 8+ carriers to find the best rate and coverage for your situation. A captive agent can only sell their company's products. With me, you get more options, better rates, and unbiased advice.
It varies by product and carrier. Some policies can be approved the same day with no medical exam. Traditional underwritten policies may take 2–4 weeks. I'll guide you through the timeline for your specific situation so there are no surprises.
That's great! I can review your existing coverage to make sure it still fits your needs. Life changes — marriage, kids, new home — often mean your coverage needs to change too. There's no cost for a policy review.
I don't disappear after the sale. I'm your ongoing point of contact for any questions, policy changes, or future needs. Whether you need to update beneficiaries, adjust coverage, or add a new policy, I'm here for the long haul.
I'm always happy to answer your questions. Reach out anytime — no question is too small.