Here are answers to common questions clients have. Don't see yours? Just
ask—I'm happy to help.
Getting Started
That's completely normal—most people don't when they first reach
out. My job is to ask the right questions and help you get clarity
fast. You don't need to have all the answers before we talk. That's
exactly what I'm here for.
Absolutely not. I'm here to educate and guide, not push or pressure.
If something doesn't make sense for your situation, I'll tell you.
My goal is to help you make a confident decision—and if that means
"not right now," that's perfectly okay.
Our initial discovery call is just 10-15 minutes. From there, the
timeline depends on which solution is right for you. Some policies
can be approved and issued within days, while others may take a
couple of weeks. I'll give you a clear timeline based on your
specific situation.
I'm a licensed insurance agent with a National Producer Number
(NPN). I'm happy to provide my NPN and licensing details during our
call—you can verify my credentials through your state's insurance
department website. Transparency matters to me.
Coverage & Cost
In many cases, yes. We'll start with your budget and build the best
protection plan within it. You might be surprised at what's
possible—even with a modest monthly investment. Some term policies
start at less than a streaming subscription.
Several factors influence your premium: your age, health status, the
amount of coverage you need, the type of policy (term vs.
permanent), and the length of coverage. Generally, the younger and
healthier you are when you apply, the lower your premiums will be.
Not always. Many policies today are available with simplified
underwriting or no medical exam required. The specific requirements
depend on the type of policy, coverage amount, and your health
history. I'll help you find options that match your comfort level.
Term life provides coverage for a specific period (like 10, 20, or
30 years) and is typically more affordable. Whole life provides
permanent coverage that lasts your entire life, with premiums that
never increase and cash value that grows over time. Each has its
place depending on your goals—I'll help you understand which makes
sense for your situation.
After You Buy a Policy
Once your policy is issued, I'll walk you through everything. You'll
know exactly what you have, why you have it, and how to reach me
when you need support. I provide ongoing service—annual policy
reviews, adjustments when your life changes, and answers to any
questions that come up along the way.
In most cases, yes. Life changes—marriage, kids, new home,
retirement—and your coverage should adapt. Some policies allow
adjustments, and in other cases we may look at adding new coverage.
I'm here to help you review and update your protection as your needs
evolve.
No. When you work with me, you have a dedicated agent. I know your
situation, your family, your goals. You won't be explaining your
story to a new person every time you have a question. I'm here for
the long haul.
Absolutely. I offer free policy reviews to help you understand what
you currently have, whether it's still meeting your needs, and if
there are any gaps or opportunities for improvement. There's no
obligation—just clarity.
Still Have Questions?
I'm here to help. Schedule a quick call and I'll answer any questions you
have—no pressure, no obligation.