Frequently Asked Questions
Get answers to common life insurance questions. Our licensed Florida agents are here to help.
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How much life insurance do I need?
A common rule is 10-15 times your annual income, but your specific needs depend on your debts, dependents, and financial goals. Our licensed agents can help you determine the right amount.
What is the difference between term and whole life insurance?
Term life covers you for a specific period at lower premiums. Whole life provides permanent coverage with a cash value component that grows over time.
Do I need a medical exam to get life insurance?
It depends on the carrier and policy type. Many carriers offer no-exam policies, especially for smaller coverage amounts. Our agents can help you find no-exam options.
How fast can I get life insurance?
Many carriers can issue policies within days. No-exam policies can sometimes be approved same-day. Our agents work with fast-issuing carriers.
Can I get life insurance with pre-existing conditions?
Yes! Many carriers offer policies for people with health conditions. Guaranteed issue and simplified issue options are available for seniors and those with serious conditions.
How much does life insurance cost?
Costs vary based on age, health, coverage amount, and policy type. Term life for a healthy 30-year-old can start at $20/month for $500K coverage.
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