Frequently Asked Questions
General Life Insurance Questions
Q: How much does life insurance cost? A: Life insurance costs vary based on your age, health, coverage amount, and type of policy. For example, a healthy 35-year-old might pay $20-30/month for $250,000 in term coverage, while final expense insurance for seniors typically ranges from $50-150/month. I work with 15+ carriers to find you the best rate for your specific situation. Get your personalized quote in 60 seconds - it's free and there's no obligation.
Q: Do I need a medical exam to get life insurance? A: Not always! Many of my carriers offer "simplified issue" or "guaranteed acceptance" policies with no medical exam required. Companies like Ethos, American Amicable, and Transamerica offer instant approval options. The coverage amount and your health history determine whether an exam is needed. I'll match you with the right no-exam option if you qualify.
Q: How much life insurance coverage do I need? A: A general rule of thumb is 10 times your annual income, but everyone's situation is different. Consider:
Outstanding debts (mortgage, loans, credit cards)
Future expenses (children's education, spouse's retirement)
Final expenses ($10,000-15,000 average)
Income replacement for dependents
I'll help you calculate the exact amount during our free consultation.
Q: What's the difference between Term and Whole Life insurance? A: Term Life provides coverage for a specific period (10, 20, or 30 years) at lower premiums - perfect for protecting mortgages or raising children. Whole Life provides permanent coverage with cash value accumulation but higher premiums. Most of my clients choose term for maximum coverage at minimum cost, but I'll help you decide what's best for your situation.
Q: How quickly can I get covered? A: With our instant approval carriers, you can be covered the same day! Once approved and your first payment is processed, coverage begins immediately. Traditional policies with medical exams typically take 2-4 weeks. I always start by checking if you qualify for instant approval.
Health & Qualification Questions
Q: Can I get life insurance with diabetes? A: Yes! I specialize in helping people with diabetes get affordable coverage. American Amicable and Prosperity Life offer modified plans specifically for diabetics. Transamerica also has final expense options that accept diabetes. The key is matching you with the right carrier - that's where my expertise comes in.
Q: What if I have other health conditions (heart disease, cancer history, etc.)? A: I work with carriers that specialize in "impaired risk" cases. Whether you have:
Heart disease or previous heart attack
Cancer history (usually 2-5 years clear)
High blood pressure
COPD or respiratory issues
Mental health conditions
There's likely a policy available. Guaranteed acceptance options are always available as a last resort. Let me find the best coverage for your specific condition.
Q: Can I get life insurance if I smoke? A: Yes, smokers can get life insurance, though premiums will be higher. Some carriers are more smoker-friendly than others. If you've quit for 12+ months, you may qualify for non-smoker rates. If you vape or use e-cigarettes, some carriers treat this differently than traditional tobacco. I'll find you the most competitive smoker rates available.
Q: What if I've been declined for life insurance before? A: Previous declines don't disqualify you! Each carrier has different underwriting guidelines. What one company declines, another may accept. I have access to:
Guaranteed acceptance policies (no health questions)
Graded benefit plans
Modified coverage options
We'll find you coverage regardless of past declines.
Q: Is there an age limit for life insurance? A: I can help clients from age 18 to 85+. Different products work better at different ages:
18-50: Best rates on term life
50-70: Final expense and whole life options
70+: Guaranteed acceptance available
85+: Limited but still available options
It's never too late to protect your family.
Process & Service Questions
Q: How does the application process work? A: It's simple and I'll guide you through every step:
Free Consultation (15-20 minutes) - We discuss your needs and options
Application - Complete over the phone or online (10-15 minutes)
Instant Decision or underwriting review (if exam required)
Policy Delivery - Receive your documents by mail/email
Ongoing Service - I'm your agent for life, not just the sale
Q: What information do I need to apply? A: Have these ready for a smooth application:
Basic info (date of birth, address, SSN)
Height and weight
Medications you're taking (names and dosages)
Doctor's contact information
Beneficiary information (names, DOB, SSN)
Payment method (bank account or credit card)
Don't worry if you don't have everything - we can always follow up.
Q: Do you really work with 15+ insurance companies? A: Yes! Through Family First Life, I'm appointed with multiple A-rated carriers including:
Ethos (great for healthy individuals)
American Amicable (excellent for health issues)
Transamerica (top final expense carrier)
Mutual of Omaha (strong all-around)
Prosperity, Foresters, Americo, and more
This means I shop the market for you instead of selling just one company's products.
Q: What happens after I submit my information? A: You'll receive:
Immediate email confirmation with your quote details
Personal phone call within 24 hours (usually same day)
No-pressure consultation to review your best options
Ongoing support throughout the process
I respect your time - if you're not ready, there's no pressure. My job is to educate and be here when you're ready.
Q: Are you a licensed agent? A: Yes, I'm a fully licensed life insurance agent with Family First Life. I'm appointed with multiple carriers and follow all state regulations. My goal is to find you the best coverage, not push a single company's product. You can verify my license through your state's insurance department.
Policy & Coverage Questions
Q: Can I change my coverage later? A: Yes! You can:
Increase coverage (may require new underwriting)
Decrease coverage or premium
Convert term to permanent (with convertible policies)
Cancel anytime (though I'll help you understand alternatives first)
Life changes, and your coverage can too. That's why having an agent you can call is valuable.
Q: What if I already have life insurance? A: Great! Let's review it together for free. You might:
Need additional coverage as your life has changed
Qualify for better rates now (especially if you've quit smoking or improved your health)
Be overpaying with your current carrier
Have gaps in coverage you're unaware of
Many clients keep their existing coverage and add supplemental policies for complete protection.
Q: Who can be my beneficiary? A: You can name anyone:
Spouse or partner
Children (through a trust if minors)
Other family members
Friends
Charities
Your estate
You can have multiple beneficiaries and specify percentages. You can also name contingent (backup) beneficiaries.
Q: What's not covered by life insurance? A: Most life insurance covers all causes of death after the contestability period (usually 2 years), with rare exceptions:
Suicide (typically excluded for first 2 years)
Death while committing a felony
War or acts of terrorism (some policies)
Dangerous hobbies if not disclosed (skydiving, racing, etc.)
I'll ensure you understand exactly what's covered in your policy.
Q: When does coverage actually start? A: Coverage begins when:
You're approved by the carrier
Your first premium payment is processed
Any required exams or paperwork are complete
With instant approval options, this can be the same day! Traditional underwriting takes 2-4 weeks. I'll get you the fastest coverage possible for your situation.
Payment & Cost Questions
Q: How do I pay for my life insurance? A: Flexible payment options include:
Monthly automatic bank draft (most common)
Credit/debit card
Quarterly or annual payments (often with discounts)
Most clients choose monthly auto-pay for convenience. Payments typically range from $20-200/month depending on coverage.
Q: Can I cancel if I change my mind? A: Absolutely! You have:
Free-look period (usually 30 days) for full refund
No long-term contracts - cancel anytime
No cancellation fees
My goal is to find coverage you'll want to keep because it protects your family, not because you're locked in.
Q: Will my rates increase? A: Depends on the policy type:
Term Life: Rates locked for entire term (10, 20, 30 years)
Whole Life: Rates locked for life
Final Expense: Rates typically locked
Universal Life: Flexible premiums
I'll clearly explain your specific policy's rate structure before you commit.
💬 Still Have Questions?
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📧 Email: info@honestlifeinsuranceagent.com
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Remember: There's no obligation to buy anything. I'm here to educate and help you make the best decision for your family. Whether you buy today, next year, or never - I'm happy to answer your questions!