Beneficiary: The person who receives the payout from your life insurance policy if you pass away. You can list more than one beneficiary and divide the benefit however you choose.
Coverage Amount: The total dollar amount your policy will pay to your beneficiaries. Choosing the right amount depends on income, debts, and family needs.
Term Length: The number of years your life insurance policy will stay active at a fixed rate. Common options include 10, 20, or 30 years.
Premium: The price you pay for your insurance policy, either monthly or annually. It stays the same for the entire term unless otherwise noted.
Tobacco Use: Includes cigarettes, vaping, chewing tobacco, and nicotine products. This can impact your rate class during underwriting.
Common Questions
Do I need a medical exam? Not always — many clients qualify for simplified underwriting with no exam required. Your health history will determine whether an exam is needed.
Can I change my beneficiary later? Yes, you can update or add beneficiaries at any time after your policy is issued. It’s a simple form and only takes a few minutes.
How fast will someone contact me? A member of our team will reach out within the next business day. We’ll walk you through options and find the best fit for your situation.