Frequently Asked Questions

We love the brass-tacks explanation for any inquiry, unfortunately cost is one that is so case by case dependent, that the cost cannot be accurately quantified on a "one size fits all" numerical scale. Fortunately, we operate under a retention, relationship-based business model. We structure every policy in force that were responsible for writing in the way that is absolutely the most cost effective, and seamless policy that particular client can have. Financial prudence, fiscal responsibility, and fiduciary mindset are all critical components of our office. We do not have an army of agents, this is intentional. The rundown on costs can be adequately measured by The Type of Coverage that the policy is written for. That aligns with the following structure, with number 1. having the lowest premiums, and increasing as that number climbs.

Here is How that Looks:

1. Final Expense Simplified Issue Term Products (50-85) (2k-50k Face Amounts) ($30-$150monthly)
2. Guaranteed Issue Whole Life (Severe Health Profiles) (5k-25k Face Amounts) ($50-$300monthly)
3. Graded Benefit Whole Life (Impaired Health Profiles; Modified Death Benefit Initially) (10k-50k Face Amounts) ($50-$250+monthly)
4. Traditional Whole Life (Permanent Coverage; growing cash value) (25k-500k+ Face Amounts) ($100-1500+monthly)
5. Simplified Issue Term Life (Notably more Affordable than Perm. Prooducts) (50k-500k+ Face Amounts) ($20-300monthly)                                       ****(We utilize this very effectively as Mortgage Protection for newer families, looking to protect assets, but are still increasing their equity/overall liquidity position) its straightforward, typically we can underwrite it over the phone or zoom in 1-2apptments.)****
6. Fully Underwritten Level Term (250k-1M common Face Amounts) ($15-$500+monthly age/health dependent)                                                ****(This offers best cost efficiency, generally we like to utilize these for our in the middle family clients (teenagers, steady in career, more flexibility in meeting needs, without breaking their budget; we also use these for our small to medium size business owners)
7. ROP Term (Return of Premium) (100k-1M+ Face Amounts) (2x-3x cost of traditional term roughly ~$120-$200+ monthly)                          ****(This is our founders favorite initial insurance product; we recommend its implementation to the disciplined younger planners or DINKS households; it's fabulous for particular families, but in no such way a holy grail product, and again this is why we focus on relationships and retention, not sales quotas.....fill out our client profile questionnaire, or drop us an email well be able to ensure your first policy is the right policy.)
8. Term w/living benerfits/Chronic/Critical Riders (100k-2M+ Face Amounts) ($40-$600+monthly)                                                                    ****(Another fantastic option; for particular families. We often utilize these most effectively for families with genetic health concerns, or special needs children; again, another case dependent product)
9. Indexed Universal/Universal Life/Variable Universal Life policies (100k-10M+) ($150-$5000+monthly)                                                           *****(For these policies we actually don't ask for a questionnaire or form, please reach out to William directly, in the Contact Us section) these we cannot write an impeccable policy without scrupulous detail and strategy) 

We differ in product breadth and knowledge, while all of them are exemplary businesses, and conduct themselves with great integrity they sell their products, quite literally. Usually good enough for the masses, sure but we still have plenty of client profiles that would've "been fine" getting a quote through their Apps, receiving a policy number written by one of their many in house agents; while having a decent premium and decent face amount. Yet, they elect to have us write their policy, and wind up with a lower premium and higher face value. 

We are structured in that we aren't in anyway incentivized or instructed to "sell" a "particular product or brand product" we have relationships Directly with many carriers, we don't care about our comp, because we're going to write you the best policy type for your needs, so you dont have to price shop, so you don't worry if you got a bad rate. Our founder always likes to say "If I'm playing devil's advocate" for our discerning, scrutinous new clients in mind (we love you!) the brass tacks are "We do not need to sell you a transaction to meet our bottom line, we are not a war room of hungry young agents; chasing their 50% commission, so their boss can collect his 20% override, and the bosses IMO can collect their piece, and the IMOs umbrella brokerage can disperse funds down the "levels"; if you're not too fond of "MLM structures" we aren't either. Our carriers submit payments to us directly, and we reinvest into our communities we serve, and our existing relationships as a whole. Plus, we Construct Policies as they pertain to your Life and Family treating such policies as a transaction is against our values, we like to be able to sleep at night.

Your insurance premium may be affected by different things, and different thresholds of health, and medical conditions, dependent on type of policy you wish to secure. The best way to keep premiums low, is to work with a knowledgable producer, that understands each carrier has particular tolerances, and guidelines that can be underwritten and issued at standard rates, whereas another carriers tolerances would have a higher premium and graded coverage.