Common Questions About The Importance of Life Insurance
We understand that life insurance can feel complex. Our experts are here to walk you through every step with clarity and care for your peace of mind.
Why is life insurance so important for my family?
Life insurance provides a crucial financial safety net. It ensures that if the unthinkable happens, your loved ones can pay off the mortgage, cover daily expenses, and maintain their standard of living without the burden of immediate financial stress.
Who actually needs a life insurance policy?
If anyone relies on your income—whether it's a spouse, children, or aging parents—you likely need coverage. It is also essential for anyone with shared debts, like a mortgage or business loans, to protect co-signers.
How much coverage should I realistically aim for?
Every situation is different. It would be unfair to generalize and speculate. We recommend calling us at 316-670-7352 to speak with an advisor who can help you determine an exact amount based on your specific needs/goals.
How does the application process work?
It is simpler than you might think. We start with a brief conversation to understand your needs, gather basic information, and then we do the heavy lifting by shopping multiple carriers to find your best match.
Are medical exams always required for approval?
Not necessarily. While traditional policies may require a brief health check, many 'no-exam' options are now available that allow for faster approval based on your medical records and digital data.
How are my monthly rates determined?
Premiums are primarily based on your age, overall health profile, lifestyle choices, and the total amount of coverage you choose. Securing a policy while you are younger and healthier is the best way to lock in low rates.
Can I still get covered if I have existing health issues?
Absolutely. Because we work with a wide variety of insurance carriers, we can specifically target companies that specialize in high-risk profiles to ensure you still get the protection you deserve.
How is this agency different from others?
We are independent brokers, meaning we don't work for one carrier—we work for you. We shop dozens of top-rated carriers simultaneously to find you the absolute best rate available.
What is the best way to get started today?
The quickest way is to call us at 316-670-7352 for a brief, no-pressure chat about your goals. We can provide information about the plans that best fit your needs and pull quotes from multiple carriers in just a few minutes.