Frequently Asked Questions

The process is 7 Simple Steps:

1. Evaluate your goals and needs. 
2. Survey of your health to match the product that best fits.
3. Review the features and benefits of the product with you. 
4. Quote & Illustrate a few options. 
5. Submit your application to start the underwriting process for an approval.
6. Draft you premium to have your policy placed in-force
7. Meet with your beneficiary to explain the claim process for when need it. 

 There are two types of underwriting: 

1. Full Medical Exam (typically undergo a short medical exam) It can take several weeks to be approved. Allows for better Risk Class and Higher coverage amount.  
2. Simplified Issue: A quick application that does not require a medical exam. You can receive instant approval. Just be aware that the coverage amount may be limited as well as be a higher premium with simplified underwriting. 

Not exactly, it varies by carrier and specific product however, most companies I work with are Non-Medical. They base their decision when they check your Medical, Prescription and Driving History. 

It varies by company, however I have carriers that have products for clients as young as 15 days old and depending on their health up to age 89.

It really comes down to how much you are insurable for based on your health. To cover Final Expenses $5,000 to $25,000 is normal. To cover life necessities such as mortgage, bills, debt, tuition etc: $100,000 to $2 Million depending on your budget.

  Living Benefits, provided by Accelerated Benefits Riders (ABRs) ABRs are optional, no- additional cost riders that allow you to access a portion of your death benefits, on a discounted basis, to be accelerated during your lifetime if you experience a qualifying terminal illness, chronic illness, critical illness, or critical injury — or a qualifying diagnosis of Alzheimer’s disease or Lewy Body Dementia. 

Cash value is a component of permanent life insurance policies such as whole life and universal life that can accumulate cash value savings over time. 

•  A portion of each premium payment is allocated to the cost of insurance and the remainder deposited into a cash value account.
•  The cash value of life insurance earns interest, and taxes are deferred on the accumulated earnings. While premiums are paid and interest accrues, the cash value builds over time. 
•  The policyholder can use the cash value for many purposes, including borrowing or withdrawing cash from it, or using it to pay policy premiums. 

Most of my products are Day 1 coverage. In some cases due to health issues, the client could qualify Modified where the first two years only Accidental Death is covered and Natural Death there is only return of premiums plus interest. After two years there is full coverage. 

I work with several carriers that offer FIA. Some consider a minimum of $5,000 / $10,000 or $20,000 to open an account with them. 

You may rollover cash from Checking or Savings Accounts, 401(k), 403(b), Traditional IRA, SEP-IRA, Governmental 457(b)

I service In-Home clients in the counties of San Bernardino, Orange, Riverside & Los Angeles, CA. For Out-Of-Area clients or preference/convenience we can conference Call, or Virtually via Zoom.