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You can apply for life insurance (term, permanent), instant-decision term, guaranteed-issue life, college savings strategies, children’s whole life, accidental death (AD&D), key person life, buy-sell life funding, travel medical & evacuation, short-term health insurance, and standalone dental & vision.

Common items include: name, date of birth, address, contact details, height/weight, tobacco use, basic health history, prescription/physician info, desired coverage amount and term, beneficiary details, and payment method. Business policies may require company info and ownership percentages.

It depends on the product and amount of coverage. Instant-decision and some simplified/accelerated term or whole life products often waive exams and use e-underwriting (databases and health questions). Fully underwritten or larger face amounts may require labs and a brief exam. Guaranteed-issue life typically has no exam.

Instant-decision term can provide approval at checkout if you qualify. Simplified issue often takes hours to 1–2 days. Fully underwritten policies can take 1–4 weeks depending on records and exams. Travel medical, short-term health, and dental/vision can often be issued the same day with near-instant confirmations.

For life/AD&D, coverage typically begins upon approval, issue, and receipt of first payment (some carriers offer temporary coverage during underwriting when criteria are met). Travel medical may start on your selected effective date. Short-term health and dental/vision can start as soon as the next day in many states.

It’s a streamlined term life process using electronic data (MIB/Rx/DMV, etc.) to approve qualified applicants immediately—no exam for many ages/amounts. Eligibility depends on age, health profile, and requested face amount.

Guaranteed-issue life has no health questions or exams; acceptance is typically guaranteed within certain age bands and face amounts. These policies usually have graded death benefits for the first years and higher premiums per dollar of coverage.

Children’s whole life provides lifelong coverage with level premiums and cash value accumulation. It can include guaranteed insurability options to increase coverage later without new medical evidence.

AD&D pays a benefit for covered accidental death or specific injuries. It is not a replacement for traditional life insurance and typically does not pay for death due to illness. It can be added as a rider or purchased as a standalone policy.

Business-owned policies require company financials, owner/officer roles, and insurable interest documentation. Buy-sell policies align with your shareholder or operating agreement to fund a transfer of ownership at death. Expect business questionnaires and signatures from authorized officers.

Yes. We can illustrate multiple strategies, including 529 plans and cash-value life approaches for flexibility, tax advantages, and legacy goals. We’ll compare trade-offs such as control, financial aid impact, and liquidity.

Purchase before you depart and set the effective date to your trip start. Plans can include emergency medical, evacuation/repatriation, and optional riders. Coverage is designed for international travel and temporary stays.

Short-term health is temporary medical coverage with defined benefit periods. It can start quickly and may be used to bridge gaps, but it typically excludes pre-existing conditions and has benefit limitations that vary by state.

Many plans offer immediate preventive benefits, with basic/major services subject to waiting periods. Vision benefits often activate quickly for exams, frames, and lenses. Details vary by carrier and state.

Yes. Replacements and 1035 exchanges (for life/annuity) may be available. We’ll review surrender charges, tax considerations, guarantees, and suitability before moving any funds or coverage.

You’ll name primary/contingent beneficiaries and choose policy ownership. Optional riders (living benefits, waiver of premium, chronic/critical illness, child riders, AD&D) can be added during application and sometimes later, subject to underwriting.

Availability, issue ages, face amounts, and features vary by state and carrier. We’ll confirm state-specific rules during the application and present compliant options side-by-side.

Schedule a call with our team to review quotes, underwriting paths, timelines, and riders. We’ll tailor recommendations to your goals, budget, and time frame.