Frequently Asked Questions

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No. The longer you wait to get life insurance the more it cost. The best time to get life insurance is when you are born.

• - whole Life -normally a locked-in rate that pays a benefit on the death of the insured and it accumulates cash value.
• - Accidental -pays if only an accident happens normally cheap w a lot of coverage. If u don’t die in an accident they will not payout.
• - Term life- The Insured has to die within a certain term or time frame before the benefit pays out.

Yes.Your job own that policy and a lot of times when you are trying to transfer coverage it’s more expensive. Also when you are about to retire it’s a chance you may not retire without any benefits at all more so life insurance. So now you are 65-70  years old and yet you are back again in the market.The Rates are different now than if u would have got it at age 20.