Frequently Asked Questions

Most life insurance policies can be issued same-day with instant approval. Health insurance typically starts the 1st of the following month. No medical exams required for most applicants under 60.

We work with carriers that specialize in covering people with various health conditions. While rates may vary, we can almost always find coverage. Our advisors will help you find the best option.

Yes! Most policies have a 30-day free look period where you can cancel for a full refund. After that, you can typically adjust coverage amounts or cancel at any time without penalty.

Claims can be filed online, by phone, or through your advisor. Life insurance claims are typically processed within 5-10 business days once all documentation is received.

Yes, all of our advisors are state-licensed insurance professionals with an average of 10+ years of experience. They work for you, not the insurance companies.

Many of our policies offer no-exam options for qualified applicants. Coverage amounts up to $500,000 are often available without any medical exam.

Premiums are based on factors including age, health status, coverage amount, and term length. Our quote tool gives you an accurate estimate in 60 seconds.

We accept all major credit cards, debit cards, and bank transfers. Most policies can be set up with automatic monthly payments.