An insurance or sales professional will reach out to you within 24 hours to discuss your needs, budget and other underwriting items. On this call, we will go over life insurance options for you and/or your family. The application will be submitted to an insurance carrier, and most have been approved within 24 hours.

This varies depending on your plan, there are a variety of insurance carriers. A large number of them have been in business for more than 100 years and are highly rated. On your call, please ask your representative which carrier they recommend and why.

• Anyone with children or dependents
• Business owners and business partners
• Anyone with a lot of debt
• Anyone concerned about burial expenses
• Married Couples
• Homeowners
• Parents
• Business owners
• Caregivers
• Familiy
  and…

Yes! That’s right, single people can benefit from it too.

1.  You Have a mortgage
   If you died during the coverage term of your policy, the death benefit would be paid to your beneficiary, who could use it toward the mortgage payment. If your mortgage has a cosigner who is also your beneficiary, they could use the death benefit to help pay the mortgage balance. With this approach, the money you have invested into your mortgage could still benefit someone after you’re gone. It’s an ongoing act of generosity and love. (You should also create a living will to make sure your wishes come to fruition.)
2. You have student loans
   You might want to think about taking out a life insurance policy if your parents (or other loved ones) paid for the costs of your college education too. It offers financial protection for the kind person who cosigned on your loans financially.
3. You have co-signed debts
   For many single people, your auto loan and credit card didn’t require a cosigner if you had enough credit to qualify for the loan on your own. However, if you do have a cosigner, and don’t have enough money in savings to cover the debt, consider life insurance to protect your friend or loved one.
4. You have financial dependents who aren’t biological children
   If you have any family members who rely on you for financial support, then you may want to consider life insurance. If you’ve named them as your beneficiaries, the policy payout could help them pay for things like health care and daily living expenses if you were no longer around.
5. You have business partners
   If you’ve started a business with a partner, your untimely death could financially set back your enterprise. Not only would they be without your skills and vision, but your death could also hurt the financial structure of your business.
6. You want to cover end-of-life expenses
   An individual term life insurance policy outside of work can provide affordable, additional coverage and, ultimately, peace of mind. A policy in these situations can help your survivors to remember you and mourn your death instead of worrying about financial concerns.
7. You want to leave a legacy
   If you’ve ever thought about setting up a scholarship fund or making a sizable contribution to a personally-meaningful charity, you’ll need to plan ahead. Life insurance can serve as a backup to this planning should the unexpected occur.

They use what is called a soft pull to peek at an applicant’s credit history. Soft inquiries have absolutely no effect on your credit score. Zero. Zilch. Nada. In fact, when you check your own credit score, you are performing a soft pull.