Question 1

How much life insurance do I actually need?

Accepted Answer

A common starting point is 10–12 times your annual income, but the right number depends on your debts (especially a mortgage), how many people depend on you, future costs like college, and any existing coverage. We'll walk through it together in a few minutes — no math homework required.

Question 2

How are life insurance quotes calculated?

Accepted Answer

Insurers look at your age, health, tobacco use, family medical history, occupation, and the type and amount of coverage you want. Because I'm independent, I can compare quotes across multiple reputable carriers to find the most competitive rate for your situation.

Question 3

Will I need a medical exam?

Accepted Answer

Not always. Many term and whole life policies today offer no-exam options where approval is based on a questionnaire and database checks. For larger coverage amounts or certain health profiles, a brief in-home exam may get you a better rate. I'll help you choose the path that makes sense.

Question 4

What's the difference between term and whole life?

Accepted Answer

Term life covers you for a fixed period (like 20 or 30 years) at a lower cost — ideal for replacing income during your working years. Whole life covers you for your entire life and builds cash value over time, but costs more per dollar of coverage. Many families use a mix of both.

Question 5

Can I change or cancel my policy later?

Accepted Answer

Yes. Most policies can be reduced, converted, or canceled. Term policies often include a conversion option that lets you switch to a permanent policy later without a new medical exam. I'll point out these features before you ever sign anything.

Question 6

Who should I name as my beneficiary?

Accepted Answer

Usually a spouse, partner, adult child, or a trust. You can name multiple beneficiaries and assign percentages. I strongly recommend naming a contingent (backup) beneficiary as well. We'll talk through your options as part of every policy we write.

Question 7

How long does it take to get covered?

Accepted Answer

Simplified, no-exam policies can be approved in as little as 24–72 hours. Traditional underwritten policies typically take 2–6 weeks. I'll set expectations clearly based on the type of coverage you choose.

Question 8

Do I have to buy anything to talk to you?

Accepted Answer

Absolutely not. Most of our conversations are just questions and answers. If a policy ends up being the right move, great — if not, you'll still leave knowing more than when you started.

Question 9

Which states are you licensed in?

Accepted Answer

Texas, Oklahoma, Louisiana, Indiana, Alabama, and Georgia. If you live elsewhere, reach out anyway and I'll point you in the right direction.

Questions, answered honestly.

Still have questions?