FAQs

What Is Term Life Insurance?

Term life insurance provides coverage for a set period—usually 10, 15, 20, or 30 years. If you pass away during that time, your beneficiaries receive the policy’s full death benefit.

Here’s why people choose term life:

Affordable Premiums – Get high coverage amounts for lower monthly costs

Flexible Terms – Choose the length of coverage that fits your life stage

Peace of Mind – Know your family will be protected if the unexpected happens

Most individuals between the ages of 18 and 75 can apply for term life insurance, depending on the coverage amount and term length.

You don’t need perfect health to qualify—many people are approved with just a few health questions or a quick medical exam if required.

How Does Final Expense Insurance Work?

Final expense insurance is a type of whole life insurance for ages 50- 85 that provides a smaller, more manageable death benefit—typically between $5,000 and $50,000. Here's what makes it ideal:

No Medical Exams Required – Most plans require only a few health questions, an instant decision, and same-day approval.

Guaranteed Premiums – Your rates never increase as you age.

Permanent Coverage – As long as premiums are paid, your policy never expires.

Fast Payouts – Funds are paid directly to your beneficiary to help them quickly handle final expenses.

Medicare Advantage Plans (Part C)

Medicare Advantage plans are offered by private insurance companies and replace your Original Medicare coverage. These plans usually include:

Hospital (Part A) and Medical (Part B) coverage

Most include Prescription Drug coverage (Part D)

Extra benefits like dental, vision, hearing, and fitness programs

Often low or $0 premiums

Great for: Those looking for all-in-one coverage with extra benefits and cost savings

Medicare Supplement Plans

Medi-gap plans work with Original Medicare to help cover costs like copays, coinsurance, and deductibles. These plans:

Let you see any doctor that accepts Medicare—no networks

Do not include prescription drug coverage

Offer more predictable out-of-pocket costs

Are ideal for frequent travelers or those with ongoing medical needs

Great for: Those who want more flexibility and help covering Medicare's out-of-pocket costs.