Frequently Asked Questions

A general rule of thumb is to have 10-12 times your annual income in coverage. However, your specific needs depend on factors like your age, dependents, debts, and long-term financial goals. We can help you calculate the right amount for your situation during a free consultation.

Term life insurance provides coverage for a specific period (10, 20, or 30 years) at lower premiums. Whole life insurance provides lifelong coverage with a savings component and higher premiums. Term is often better for temporary needs like covering a mortgage, while whole life is useful for long-term estate planning.

The process typically takes 2-4 weeks from application to approval. Term life policies with lower coverage amounts can sometimes be approved in just a few days through simplified underwriting. We'll help you understand the timeline for your specific situation.

Open Enrollment typically runs from November 1 to January 15 for coverage starting January 1. However, you may qualify for a Special Enrollment Period if you experience qualifying life events like marriage, having a baby, losing job-based coverage, or moving.

Medicare Supplement (Medigap) insurance helps pay for costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. These policies are sold by private companies and can significantly reduce your out-of-pocket healthcare costs.

Yes! Thanks to the Affordable Care Act, health insurers cannot deny coverage or charge higher rates based on pre-existing conditions. You have options for comprehensive coverage regardless of your health history.