Coverage that holds up
when life doesn't.

It depends on your income, debts, and who's counting on you financially — a common starting point is 10-15 times your annual income, but the right number for you might be higher or lower. We'll work it out together on the call, not with a generic formula.

Usually, yes — age, health history, and lifestyle all factor into pricing. Some products (like final expense) use simplified underwriting with little or no medical exam, which can make sense if health is a concern.

Some policies can be approved in days, especially ones with simplified underwriting. Others that require a medical exam can take a few weeks. I'll give you a realistic timeline once we know which type of coverage fits.

Yes. A lot of people are paying for coverage that no longer fits their life. I'll review what you have at no cost and tell you honestly whether it still makes sense or should be adjusted.

Term covers you for a set number of years at a lower cost. Whole life covers you permanently and builds guaranteed cash value, at a higher premium. Neither is automatically "better" — it comes down to what you're trying to protect and for how long.

Not always. It depends on the carrier, the amount of coverage, and the product. Final expense and some smaller term policies often skip the exam entirely. I'll let you know upfront what to expect before you commit to anything.

Every carrier requires it on the formal application — it's how they verify your identity, check your medical and prescription history, and report the policy correctly once it's issued. It's a standard part of any life insurance application, not something specific to me, and it's only collected once you're actually ready to apply.

Banking details are used to set up automatic premium payments so your policy stays active once it's approved. It's entered directly into the carrier's secure application, not something I collect or store myself, and it's never needed just to get a quote.