You can get started by completing a contact form, and one of our representatives will get in touch with you right away!
Yes! Many of our plans do not require a medical exam (though, in special cases, the underwriting department may request a medical exam).
How much insurance you choose depends on who and what you need to provide for. A good rule of thumb for calculating your insurance needs is to add your debt (including funeral services cost), income (multiply your annual income times the years your loved ones will need that salary, normally until your youngest is out of high school), mortgage balance, and total cost of children’s education. This sum is the total you should be insured for.
Your privacy is very important to us, and we closely adhere to industry standard privacy practices. Get in touch for more information about our privacy policy.
Buying term life insurance may help you pay a lower premium. These plans span a specified time period. Terms can be for 10, 15, 20, 25, 30 to 35 years, depending on what you qualify for.
Premium rates are typically based on factors such as age, gender, height, weight, health status (including whether or not you use tobacco), and whether you have a high-risk occupation or hobby.
Most policies have a 31-day grace period wherein you can pay the premium without penalty or interest.
Generally, policies have a life insurance contestability period of two years after you buy the policy. During this time, if the insurer finds that they issued a policy that included misrepresentation or you withheld information, they can declare your policy void.