Frequently asked questions

No. There is no fee to talk with us, get quotes or compare options. Insurance companies pay us a commission when you buy a policy or enroll in a plan.

The insurance company pays us a commission when you buy a policy or enroll in a plan. You do not pay us directly. Commissions can differ by product and company. You can ask us how we are paid at any time.

We work with more than 30 carriers. Which ones are available to you depends on the type of coverage and where you live. You can see them on our home page. For Medicare, we do not offer every plan available in your area. See the notice on our Medicare page.

You can request a quote online in a few minutes. A licensed agent will reach out to you soon. After that, timing depends on what you choose. Life insurance can take a few days to several weeks, depending on the policy and whether a medical exam is needed. Medicare enrollment is often completed in one call. Annuity timing varies by company.

A licensed agent uses it to prepare your quotes. We share it with insurance carriers only as needed to get quotes or process an application. We do not sell your personal information. Our Privacy Policy has the details.

It depends on your income, debts, final costs and goals. Many people start with about 10 times their yearly income and adjust from there. An agent can help you find a number that fits your family and your budget.

Term life covers you for a set number of years and usually costs less. Whole life covers you for your entire life, has a fixed premium and builds cash value. Many families choose term for a need that ends in time, such as a mortgage. Some add whole life for lifelong needs, such as final expenses.

Often, yes. Carriers view health conditions differently, so one company may offer you better terms than another. Some policies, such as final expense plans, ask few health questions or none. Prices and options depend on your health and the product.

Not always. Some policies need an exam. Some need only health questions. Some need neither. Policies with no exam may cost more or offer lower coverage amounts. We tell you what each policy needs before you apply.

Medicare Advantage is another way to get your Medicare benefits. It is one plan from a private company. It usually has a network and a yearly out-of-pocket limit, and it often includes drug coverage. Medigap works with Original Medicare. It helps pay deductibles and copayments, and you can see any doctor who accepts Medicare. You add a separate Part D plan for drugs. You cannot use both at the same time.

You can join when you first qualify, during a seven-month window around your 65th birthday. Each year from October 15 to December 7, you can change plans for the next year. From January 1 to March 31, people already in a Medicare Advantage plan can switch plans or go back to Original Medicare. Some life events open other windows.

With Original Medicare, you can see any doctor or hospital that accepts Medicare. Medicare Advantage plans usually have networks, so check whether your doctors are in the plan before you join. We can help you check.

About three months before your birthday month. That is when your Initial Enrollment Period begins. Starting early gives you time to compare options and avoid a gap in coverage. Our turning 65 checklist on the Medicare page can help.

Your account does not lose value because the index goes down. You can still lose money in other ways. Taking out more than the allowed amount during the surrender period can trigger a charge. Rider fees can also lower your account value. Guarantees depend on the insurance company's ability to pay claims.

A surrender charge is a fee the insurance company charges if you take out more than the allowed amount during the surrender period. The period is often 5 to 10 years, and the charge gets smaller each year. Ask for the full schedule before you buy.

It depends on your goals, your timeline and how much cash you keep outside the annuity. Annuities can fit people who want protection and steady income and are comfortable leaving money in place. They may not fit people who need quick access to their money or want the most growth. We can talk it through with you.