Frequently Asked Questions

 Getting coverage is straightforward and happens in six simple steps:

1. Understand Your Goals
   We start with a conversation about what matters most—your coverage needs, priorities, and budget.
2. Health & Prescription Review
   A brief look at your medical and prescription history helps us match you with the carriers that fit you best.
3. Explore Your Options
   You’ll get a clear explanation of the plans available and the benefits each offers.
4. Compare Top Rates
   We’ll show the most competitive plans based on your age and health so you can choose the best value.
5. Submit Your Application
   Once you select a plan, we complete the paperwork and send it to the carrier for approval.
6. Activate Your Policy
   After approval, your first premium draft puts your coverage in force—your protection officially begins.

 Underwriting is how insurance companies assess your risk and determine approval, rate, and coverage. There are two main types:

• Full Medical Exam
  • Includes a brief medical exam and detailed review of your health history.
  • Approval usually takes a few weeks.
  • Often results in better rates and higher coverage amounts.
• Simplified Issue
  • Fast, no-exam option relying on health questions and a prescription check.
  • Approval can be instant or same day.
  • Coverage amounts may be more limited, and premiums can be higher.

 Age limits vary by company, but I work with carriers that offer coverage for clients as young as 15 days old and, depending on health, up to 89 years old. This means we can provide protection for nearly every stage of life—from newborns to seniors—so you and your loved ones are covered when it matters most. 

The right amount depends on your age, health, and financial goals:

• Final Expenses: $5,000–$25,000 to cover funeral and related costs.
• Living Needs: $100,000–$2 million to protect your mortgage, bills, debts, tuition, and your family’s future.
• Rule of Thumb: Many experts suggest 10 times your annual income, but your ideal coverage should fit your unique situation and budget.

 Living Benefits, offered through Accelerated Benefits Riders (ABRs), are optional, no-additional-cost features on many life insurance policies. They let you access a portion of your death benefit while you’re still alive if you experience a qualifying condition, such as:

• Terminal illness
• Chronic illness
• Critical illness or injury
• Alzheimer’s disease or Lewy Body Dementia

This can help cover medical costs, in-home care, or other expenses during challenging times—giving you and your family added financial flexibility when it’s needed most.

Cash value is a key feature of permanent life insurance policies, like whole life and universal life, that allows your policy to build tax-deferred savings over time.

• Premium Allocation: Part of your premium covers the cost of insurance, while the rest goes into your cash value account.
• Growth: The cash value earns interest, growing over time while premiums are paid.
• Flexibility: You can use the cash value in multiple ways—borrow from it, withdraw funds, or even pay future premiums.

This feature adds a layer of financial flexibility, giving your policy value beyond just death benefits. 

 Most of my life insurance products provide coverage starting on Day 1.

In some cases, due to health considerations, a client may qualify for Modified Coverage:

• During the first two years, only accidental death is fully covered.
• For natural death, only a return of premiums plus interest is provided.
• After two years, full coverage kicks in.

This ensures you have protection from the moment your policy is issued, with clear options if health factors require a modified start.

 You can roll over money from a variety of accounts, including:

• Checking or Savings Accounts
• 401(k) or 403(b) Plans
• Traditional IRA or SEP-IRA
• Governmental 457(b) Plans

This flexibility allows you to consolidate retirement savings into an FIA while keeping your options open.

Minimums vary by carrier, but I work with several companies that offer FIAs starting as low as $5,000, with some requiring $10,000 or $20,000 to open an account.

This makes it possible to get started with an FIA at a level that fits your budget and retirement goals.

I meet with clients in their homes throughout San Bernardino, Orange, Riverside, and Los Angeles counties.

For your convenience, if you’re outside these areas or prefer not to meet in person, we can also connect via:

• Conference Call
• Virtual Video Call

This flexibility ensures we can discuss your life insurance and/or retirement needs wherever you are.