The amount depends on factors like your income, debts, mortgage, and future expenses. A good rule of thumb is to have coverage equal to 5-10 times your annual income to ensure financial security for your loved ones. For an accurate assessment of your situation, please inquire for our licensed agents to assist! 

• Term Life Insurance: Covers you for a set period (10-40 years) and is more affordable. Great for mortgage protection, income replacement, and ensuring your family is secured. You can get much more coverage, but it expires.  

• Whole Life Insurance (Permanent Coverage): Never expires as long as premiums are paid. It also builds cash value over time that you can borrow against.  

Living benefits allow you to access a portion of your death benefit while you're still alive if diagnosed with a critical, chronic, or terminal illness. This can help cover medical bills, replace lost income, or cover daily expenses. Ensure you and your family are taken care of in the hardest of times. 

If you have a Return of Premium (ROP) policy, you’ll get 100% of your premiums back if no claim is made. Otherwise, the policy simply expires, and you can choose to renew or convert it to a permanent policy. 

No! There are many options with zero test, and instant coverage! Some policies require a medical exam, but Final Expense, Guaranteed Issue, and some Term Life policies offer coverage without one. Approval is based on simple health questions.

Yes! Policies like Index Universal Life (IUL), Universal Life, and Whole Life allow you to grow cash value tax-free, borrow against it, and even use it as a supplemental retirement plan. Plus, you can do a ROP Return-Of-Premium term option!

Mortgage protection insurance is simply a term life insurance policy that matches your mortgage balance. If something happens to you, your family can use the payout to pay off the home, preventing financial hardship. Especially when you have living benefits – this will make sure your mortgage payments are made even while you're still around, so you don’t lose your family's home! 

Yes! Options like Final Expense and Guaranteed Issue Life Insurance provide coverage with no medical exam or health questions. However, Guaranteed Issue policies may have a 2-3 year waiting period before full benefits are available. 

The cost depends on age, health, coverage amount, and policy type. For example, a healthy 30-year-old can get a $500,000 term policy for as little as $30/month. Permanent policies cost more but provide lifelong benefits. 

It’s simple! Multiple ways. You can fill out the form on this website and a licensed specialist will contact you ASAP. Also, you can call directly to 720-999-7363 or book an appointment on the calendar below.  We’ll help you find the best plan at the best price—no obligation!